To receive the maximum Social Security benefit of $5,251 per month in 2026, individuals must earn $184,500 annually, a figure that has increased from 2025. This high income threshold, met by only about 6% of covered workers, is a key requirement. Additionally, recipients must have earned at or above this limit for many years and delay claiming benefits until age 70. The average monthly benefit in 2026 is projected to be $2,071, significantly less than the maximum possible.