That said, the calculation on what her primary insurance amount is, is based on her top 35 years of income. If she didn't work 35 years, there will be zero years bringing that average down. They find the lifetime average monthly earnings
, and give her a % that. Poorer earners get a higher percentage, so they can get to a minimal amount of SS benefit per month. Higher income year additions increases our average monthly income (sometimes, if high enough), but could also reduce the % applied to get benefit amount - although I would see that only with a substantial change in income years.
For this reason, delaying collection of retirement to earn those delayed retirement credits and substantially boost our future benefit til age 70, is the way to increase it the most, oftentimes.
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