Despite a 2.8% increase, the average Social Security check remains at $2,071, which can be disappointing compared to the maximum benefit of $5,251. Those qualifying for the maximum can expect over $63,000 annually by 2026, aligning with average senior household expenses. However, achieving this top benefit is challenging, as it requires passing three significant hurdles, which most people are unable to meet fully. Understanding these requirements is crucial for maximizing Social Security benefits.
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