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MYTH BUSTED: Your Social Security Benefits Are Based Solely Upon the Last 7 Years of Your Income

FACT: the Social Security Administration (SSA) uses a complex formula to arrive at your basic benefit. The SSA takes into account such factors, as:

  • Your lifetime earnings;

  • The most you made in your monthly earnings during the years you worked; and

  • An adjustment of actual earnings on average.

In short, it is complicated, but SSA does consider your lifetime of income and not just the last seven years. The best way to figure out how much you will receive in Social Security Disability and Retirement benefits is to go to and create an account. This will enable you to review your earnings history and estimate a potential future benefit.

Secure Disability Law is here to answer questions you might have and help you get the earnings you deserve.

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