Very few people will qualify for the maximum Social Security benefit. According to the Social Security Administration, only around 6% of people earn over the wage base limit in a given year. That leaves a ton of people who will never qualify for the maximum benefit.

Fortunately, you can complete a lot of important Social Security tasks online. And best of all, you'll never find yourself on hold.

The average social security payment for 2025 is a little less than $2,000 per month, but certain beneficiaries are entitled to receive a check of $5,108.