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Let's zoom in on retirement benefits. The **_2018 Social Security Act_** includes detailed rules about who can get these benefits and how much they'll receive. Generally, to get retirement benefits, you need to have worked for a certain number of years in a job where you paid Social Security taxes. That said, the rules can get pretty detailed. The act will specify the minimum number of work credits you need to qualify. If you don't have enough credits, you won't be eligible for benefits. The act also clarifies how your benefit amount is calculated. This is based on your earnings history. The SSA looks at your highest 35 years of earnings to figure out your average indexed monthly earnings (AIME). Your AIME is then used in a formula to determine your primary insurance amount (PIA), which is what your benefit is based on. The **_2018 Act_** likely includes the current formula and may have made changes. Keep in mind that when you decide to retire also affects your benefits. You can start receiving benefits as early as age 62, but if you do, your benefits will be permanently reduced. If you wait until your full retirement age (which varies depending on the year you were born), you'll get your full benefit amount. And if you wait even longer, until age 70, your benefits will increase. The act outlines all these ages, amounts and details.
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