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Social Security Bend Points: Defined, Formula, Calculations

By Adam Levy – Updated Mar 14, 2025 at 11:28PM

Key Points

  • Bend points determine how Social Security benefits are calculated using income brackets.
  • Lower earners receive a higher percentage of pre-retirement income from Social Security.
  • Higher earners need to supplement Social Security with other retirement savings.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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