In 2025, the maximum monthly benefit Social Security will pay is $5,108. To be clear, though, that's higher than the program's maximum benefit at full retirement age this year. Those looking at $5,108 a month in Social Security need to delay their claims until the age of 70 to lock in payments that high.

To see all of your Social Security benefits, you need to sign up for a My Social Security account. Note that if you've already signed up for a login.gov or ID.me account, you can skip the following steps and just sign into your account. If you've never signed up for either of these services before, here's what you need to do.

Spousal Social Security benefits can be complex, but understanding them can help maximize your retirement income.

Social Security spousal benefits depend on the claim age of the spouse and the primary insurance amount (PIA) of the retired worker on whose record they claim benefits. The term PIA references the benefit a retired worker will receive if they start Social Security at full retirement age (FRA), which is age 67 for anyone born in 1960 or later.

Once its trust funds are emptied, Social Security may have to cut benefits. The Social Security Trustees say it could happen as early as 2035.

Whether you're ready to apply or looking to learn more about applying for Social Security, we'll fill you in on the details.

The Social Security Agency at this point does not have a specific timeframe as to when benefits will be adjusted.