Key Points Your monthly Social Security benefits are calculated based on your wage history. It’s possible to boost your benefits after claiming them by continuing to work. Whether earning money later in life impacts your benefits payments

If you want to do your own calculations, you can check your estimated benefit at different ages with your Social Security Administration account.

One of the best benefits of Social Security is that individuals can receive benefits based on their partner's work history, known as spousal benefits. With Social Security spousal benefits, someone is eligible to receive up to 50% of their spouse's PIA, assuming they claim benefits at their FRA.