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Social Security payments are calculated using the 35 highest-earning years of your career and are adjusted for inflation. (Getty Images) Calculate your Social Security payment. Read on to find out how your Social Security payments are determined. Factor in Your Social Security Retirement Age Married couples have more claiming options. Married individuals are eligible for Social Security payments equal to 50% of the higher-earning spouse's payment if that's more than the payments based on their own work record. Spousal payments are reduced if you claim them before your full retirement age. You can also claim payments based on an ex-spouse's work record if the marriage lasted for at least 10 years. A spouse can claim survivor's payments if the higher-earning spouse passes away first. Couples should coordinate when they claim payments to maximize their benefit as a couple and to potentially qualify for higher payments for a surviving spouse. You May Be Getting More From Social Security Than You Think Many retirees have their Medicare Part B premiums deducted from their Social Security checks. The standard Medicare Part B premium is $164.90 per month in 2023. Medicare Part B payments are prohibited by law from decreasing Social Security payments for existing beneficiaries, so a Medicare Part B premium hike can't be more than your annual Social Security cost-of-living adjustment. You can also use a Social Security calculator to help you determine the optimal age to sign up for payments based on your personal situation. faux saint laurent bag
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