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Ask Dr. Fiona Chen Your Own Question
Dr. Fiona Chen
Dr. Fiona Chen, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 482
Experience:  Former IRS Revenue Agent
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I receive social security for about 20 years but I'm still

Customer Question

I receive social security for about 20 years but I'm still working and still paying social security tax but my ss never increased but for the 1 or 2% is that right or should I receive more because I still paying?
JA: The retirement accountant will know how to help. Is there anything else the retirement accountant should be aware of?
Customer: Not that I know.
Submitted: 8 months ago.
Category: Social Security
Expert:  Dr. Fiona Chen replied 8 months ago.

Dear Customer,

The social security income calculation is based on the highest 35 years of a beneficiary's all working years. Therefore, unless a person's new working years of that 20 years replaced the highest 35 years previously in a significant way, the social security income payment amount would have been about the same. The below citation and website link are for your further reference.

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Fiona Chen, MPA, Ph.D., CPA, ABV, CFF, CITP

"Then Social Security calculates your average indexed monthly earnings during the 35 years in which you earned the most. We apply a formula to these earnings and arrive at your basic benefit, or “primary insurance amount.”