새해는 낙관론의 시간이지만, 나이든 미국인들은 2021년에 그다지 기대할 것이 없습니다. 그들은 사회 보장 혜택에서 미미한 1.3% 인상을 받고 있습니다. 이는 프로그램 역사상 두 번째로 낮은 연간 인상입니다.
연방 데이터에 따르면 대부분의 퇴직자들은 소득의 절반 이상을 사회 보장 제도에 의존하지만 많은 돈은 아닙니다. 2021년에는 전국적으로 월간 지불액이 평균 $1,543로 이전보다 $20 증가할 것입니다.
그리고 평소와 같이 혜택은 다른 주보다 일부 주에서 더 관대할 것입니다. 2021년에 50개 주 전체와 컬럼비아 특별구가 사회 보장 순위를 매기는 방법은 연간 평균 지불금이 가장 작은 것부터 가장 큰 것까지입니다.
얼마를 받든 고금리 예금 계좌에 돈을 예치하여 최대한의 가치를 끌어내십시오.
우리의 방법론:우리는 가장 최신의 사회 보장 데이터를 사용하여 각 주의 평균 퇴직 근로자에 대한 2019년 급여를 계산한 다음 1.6%를 추가하여 2020년 지불금을 결정했습니다. 이 금액에 1.3%를 더하여 2021년 각 주의 일반적인 혜택을 마련했습니다.
2021년 평균 연간 혜택:$17,284
사회 보장국의 최신 정보에 따르면 559,820명의 루이지애나 은퇴자가 수혜자입니다.
우리는 그들이 2020년에 한 달에 평균 $1421.83, 그 해에 $17,061.98를 받은 것으로 계산합니다. 이는 50개 주와 컬럼비아 특별구 중 가장 낮은 수치입니다.
내년도 생활비 조정(COLA) 1.3%로 루이지애나 사회 보장 수혜자는 월 $1,440.32를 받게 됩니다.
2021년 평균 연간 혜택:$17,348
사회보장국 관리들은 미시시피에서 퇴직한 근로자 429,412명이 혜택을 받고 있다고 밝혔습니다. 2020년에는 월 평균 $1,427.13, 올해에는 $17,125.62를 받은 것으로 계산합니다.
미국 전역에서 사회 보장에 가입한 노년 부부 5쌍 중 1쌍과 미혼 노인의 거의 절반이 소득의 90% 이상을 연금에 의존한다고 사회 보장국(Social Security Administration)이 밝혔습니다.
우리의 계산에 따르면 미시시피 주민들은 내년에 월 $1,445.69를 받게 됩니다.
2021년 평균 연간 혜택:$17,465
사회보장국은 메인주에서 퇴직한 근로자 242,442명이 혜택을 받고 있다고 밝혔습니다. 우리는 그들이 2020년에 한 달에 평균 $1,436.75 또는 1년 동안 $17,241.00를 받은 것으로 계산합니다.
65세 이상 미국인의 약 90%가 사회 보장 혜택을 받고 있습니다. 일부는 가능한 최대 혜택을 받을 수 있는 나이인 70세가 될 때까지 기다리기를 선택합니다.
우리는 내년 메인의 퇴직자들이 매달 $1,455.43를 받을 것으로 추정합니다.
2021년 평균 연간 혜택:$17,516
AARP에 따르면 사회 보장에 세금을 부과하는 13개 주 중 하나인 뉴멕시코에서는 307,967명의 퇴직자가 혜택을 받고 있습니다. 우리의 계산에 따르면 2020년 지불액은 월 평균 $1,440.92, 연간 $17,291.06입니다.
퇴직 소득과 저축을 최대한 늘리는 데 도움이 필요하면 재무 계획 서비스에 가입하는 것이 좋습니다. 30분 통화로 목표, 우선순위에 대해 이야기하고 앞으로 나아갈 방법을 알아낼 수 있습니다.
내년에 1.3% 인상된 후 뉴멕시코의 사회보장 수혜자는 월 $1,459.65를 받게 됩니다.
2021년 평균 연간 혜택:$17,589
Arkansas에서는 450,419명의 퇴직자가 사회 보장 혜택을 받고 있으며 저희 계산에 따르면 2020년에는 월 평균 $1,446.90, 1년 내내 $17,362.82의 혜택을 받았습니다.
혜택 프로그램은 Franklin Roosevelt 대통령이 사회보장법에 서명한 1935년에 시작되었습니다.
Arkansas의 은퇴한 근로자는 내년에 매월 $1,465.71를 받게 됩니다.
2021년 평균 연간 혜택:$17,623.15
사회 보장국의 최신 정보에 따르면 178,102명의 몬태나 퇴직자가 수혜자입니다. 우리의 수학에 따르면 2020년에는 월 평균 $1,449.75 또는 연간 $17396.99를 받았습니다.
AARP에 따르면 몬태나는 사회 보장 혜택에 세금을 부과하는 13개 주 중 하나입니다.
내년에 몬태나의 노인들은 월 $1,468.60를 받게 될 것으로 계산합니다.
2021년 평균 연간 혜택:$17,676
켄터키에서 618,077명의 퇴직자가 사회 보장을 받고 평균 2020년 급여는 월 $1,454.10, 1년은 $17,449.17입니다.
1940년 1월 31일, 버몬트 주 러들로(Ludlow)에서 은퇴한 법률 비서인 아이다 메이 풀러(Ida May Fuller)에게 첫 번째 월별 사회 보장 수표가 발행되었습니다. 그녀는 $22.54를 받았으며 이는 오늘날 가치로 $421.48에 해당합니다.
우리의 계산에 따르면 내년에 켄터키에서 은퇴하는 사람들은 월 $1,473.00를 받게 됩니다.
부채를 청산하고 퇴직 기금을 마련하는 한 가지 방법은 주택 소유자인 경우 모기지를 재융자하는 것입니다. 모기지 이자율은 역사상 가장 낮으며 refi는 한 달에 수백 달러를 쉽게 절약할 수 있습니다.
2021년 평균 연간 혜택:$17,788
사회보장국은 사우스다코타에서 퇴직한 근로자 137,577명이 혜택을 받고 있다고 밝혔습니다. 2020년 지불액은 월 평균 $1,463.31, 연간 $17,559.68로 계산됩니다.
생애 첫 사회 보장 수혜자인 Ida May Fuller는 총 $22,889에 달하는 혜택을 받았습니다.
내년에 1.3% 인상된 후 사우스다코타주의 사회보장 수혜자는 월 $1,482.33를 받게 됩니다.
2021년 평균 연간 혜택:$17,810
관리들은 75,412명의 알래스카 은퇴자들이 사회보장 혜택을 받고 있으며, 우리의 계산에 따르면 2020년에 월 $1,465.14 또는 1년 내내 $17,581.66를 받았습니다.
알래스카의 다른 모든 거주자와 마찬가지로 퇴직자도 주의 석유 자산 기금에서 연간 급여를 받습니다. 2020년 금액은 $992였습니다.
사회 보장에 있는 알래스카의 은퇴한 근로자는 내년에 매월 $1,484.18를 받게 됩니다.
주택을 소유하고 있는 경우 주택 소유자 보험 비용을 줄임으로써 은퇴를 위해 더 많은 돈을 마련할 수 있습니다. 여러 보험사의 요율을 비교하여 전환해야 하는지 확인하십시오.
2021년 평균 연간 혜택:$17,899
노스다코타에서는 99,735명의 퇴직자가 2020년에 월 평균 $1,472.45, 연간 $17,669.38의 혜택을 받았습니다.
AARP에 따르면 노스다코타 주는 사회 보장 혜택에 대해 세금을 징수하는 13개 주 중 하나입니다.
우리는 주의 퇴직 근로자가 내년에 매월 $1,491.59를 받을 것으로 계산합니다.
2021년 평균 연간 혜택:$18,097
오클라호마에서는 537,909명의 퇴직자가 사회 보장 연금을 받았으며 2020년에는 월 평균 $1,488.74 또는 연간 $17,864.89입니다.
Paltry Social Security 혜택은 고용주가 제공하는 401(k) 계획과 같이 일하는 미국인이 더 많이 저축해야 하는 이유입니다.
우리 계산에 따르면 내년 오클라호마의 노인들은 월 $1,508.09를 받게 됩니다.
2021년 평균 연간 혜택:$18,123
네바다에서는 413,107명의 퇴직자가 사회 보장 혜택을 받고 있으며 2020년에 월 평균 $1,490.89를 받았으며 이는 연간 소득 $17,890.71입니다.
프로그램 관계자에 따르면 사회 보장은 노인 소득의 약 3분의 1을 차지합니다.
내년에 1.3% 인상되면 네바다주의 사회 보장 수혜자는 월 $1,510.27를 받게 됩니다.
Average annual benefit in 2021:$18,127
In the District of Columbia, 58,903 retirees collected benefits that averaged $1,491.24 per month in 2020 or $17,894.83 over the course of the year.
An American can claim Social Security as early as age 62, but if you don't wait your monthly payment will be permanently reduced by up to 30%.
Retired workers in D.C. stand to receive $1,510.62 per month next year.
Average annual benefit in 2021:$18,183
In Texas, 2.95 million retirees are drawing Social Security benefits. We calculate that 2020's average payout in the Lone Star State was $1,495.80 per month and $17,949.64 for all of 2020.
Money from an IRA, or individual retirement account, can help you make ends meet in retirement — but you need to start saving as early as you can.
With next year's 1.3% raise added in, Texas Social Security recipients will get $1,515.25 per month.
Average annual benefit in 2021:$18,191
Social Security says 292,653 retired workers in West Virginia collect benefits from the program. In 2020, the state average was $1,496.44 and $17,957.24 for the year.
West Virginia is another of the 13 states that collect taxes on Social Security, AARP says.
According to our math, West Virginia seniors next year will receive $1,515.89 per month.
Average annual benefit in 2021:$18,191
In America's most populous state, 4.44 million retirees received Social Security payments averaging $1,496.45 a month in 2020 or $17,957.45 for the full year.
The number of older people on Social Security in California is greater than the entire populations of almost half the states.
Retired workers in the Golden State stand to receive $1,515.91 per month next year.
Average annual benefit in 2021:$18,199
In Idaho, 259,909 retirees are on Social Security, and we calculate that they got $1,497.11 a month in 2020, or $17,965.34 for the full year.
Some U.S. seniors are lucky enough to have employer-based pensions that provide additional retirement income, though those have become rare.
After next year's 1.3% raise, Idaho's Social Security recipients will get $1,516.57 per month.
Average annual benefit in 2021:$18,203
The Social Security Administration says 731,111 retirees in Alabama collect benefits that, according to our calculations, averaged $1,497.43 per month in 2020, or $17,969.13 annually.
Half of elderly retired couples in the U.S. and 70% of single retirees derive 50% or more of their income from Social Security, officials with the program say.
Retired workers in Alabama should be on the receiving end of $1,516.89 per month next year.
Average annual benefit in 2021:$18,225
In Georgia, 1.29 million seniors receive Social Security benefits that averaged $1,499.23 a month in 2020, or $17,990.73 for the year.
Without a decent stream of income in retirement, it can be easy to fall deep into debt. If you're struggling with credit card bills each month, a debt consolidation loan can help take that weight off your shoulders.
We calculate that Georgia's retired workers will receive $1,518.72 per month next year.
Average annual benefit in 2021:$18,240
In Ohio, 1.62 million retirees collect benefits, and we calculate that their payments in 2020 averaged $1,500.46 a month and $18,005.50 for the full year.
During June 2020, some 45.8 million retired workers across the U.S. were receiving Social Security payments, officials say.
Factoring in the raise for next year of 1.3%, Ohio's Social Security recipients will get $1,519.96 per month.
Average annual benefit in 2021:$18,259
In Missouri, 897,621 retirees are getting Social Security payments that averaged $1,502.10 per month in 2020, or $18,025.14 for the year.
Missouri also is among the 13 states that tax the Social Security benefits of at least some retirees, according to AARP.
According to our math, seniors in the Show Me State next year will receive $1,521.62 per month.
Average annual benefit in 2021:$18,415
The Social Security Administration says 995,471 retirees in Tennessee collect benefits that, according to our calculations, averaged $1,514.88 per month in 2020, or $18,178.54 annually.
Investment income, maybe through an automated investing service, or robo-advisor, can help retirees stretch their money.
Retired Tennesseeans next year will receive $1,534.57 per month, according to our calculations.
Average annual benefit in 2021:$18,449
In Florida — often considered America's retirement capital — some 3.51 million retirees are getting Social Security benefits.
According to our calculations, they collected $1,517.69 a month in 2020, and their annual income from the program was $18,212.30.
The seniors soaking up the sun in the Sunshine State stand to receive $1,537.42 per month next year.
Average annual benefit in 2021:$18,485
In Hawaii — one of the best states for retirement — 218,219 seniors receive retirement benefits from Uncle Sam.
We calculate that they got an average $1,520.65 per month in 2020, and $18,247.86 in annual income from Social Security.
With next year's 1.3% raise, Hawaii's Social Security recipients will get $1,540.42 per month.
Average annual benefit in 2021:$18,577
In North Carolina, 1,526,249 retired workers receive benefits that in 2020 averaged $1,528.19 per month and $18,338.34 for the year.
Americans are living longer and must rely on Social Security for longer periods. In 1940, a 65-year-old was expected to live almost 14 years, the Social Security Administration says. Today, that life expectancy is more than 20 years.
Our calculations find that North Carolina seniors next year will receive $1,548.06 per month.
Average annual benefit in 2021:$18,622
Oregon has 998,643 retired workers on Social Security, federal numbers show.
In 2020, their benefits averaged $1,531.92 per month and $18,383 for the full year.
According to our math, seniors in the Beaver State next year will receive $1,551.84 per month.
Would living on that amount be a stretch for you? Look for ways to save more money every month, starting with a lower price on your car insurance.
Average annual benefit in 2021:$18,665
In Iowa, 482,117 retirees collect benefits, according to the Social Security Administration.
They received $1,535.46 per month from the program and an annual income of $18,425.48 for 2020, by our calculations.
Adding next year's 1.3% raise, Iowa's Social Security recipients will get $1,555.42 per month.
Average annual benefit in 2021:$18,698
In Nebraska, 257,481 retirees collect benefits that in 2020 averaged $1,538.18 per month and $18,458.11 for the whole year, according to our math.
Nebraska is another of the 13 states that tax the Social Security benefits of at least some retirees, AARP says.
Retired workers in the Cornhusker State stand to receive $1,558.17 per month next year.
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Average annual benefit in 2021:$18,760
In South Carolina, 828,566 retirees get Social Security benefits, according to goverment data.
We calculate that they received an average $1,543.28 a month in 2020, or $18,519.36 for the full year.
With next year's raise of 1.3%, South Carolina Social Security recipients will get $1,563.34 per month.
Average annual benefit in 2021:$18,785
Colorado has 665,194 retirees on Social Security, and their benefits in 2020 averaged $1545.31 per month, or $18,543.68 on an annual basis.
The Centennial State also is one of the 13 states that collect taxes on Social Security benefits, AARP says.
Our math indicates that Colorado seniors next year will receive $1,565.40 per month.
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Average annual benefit in 2021:$18,862
In Vermont, 109,498 retirees collect Social Security benefits that in 2020 averaged $1,551.65 per week, or $18,619.81 for the full year, according to our calculations.
Vermont is yet another of the 13 states that collect taxes on Social Security benefits, AARP says.
Retired workers in the Green Mountain State stand to receive $1,571.82 per month next year.
Average annual benefit in 2021:$18,912
In this sparsely populated state, 85,085 collect Social Security benefits, according to the program's data.
We calculate that they typically received $1,555.76 monthly in 2020, or $18,669.09 over the course of the year.
Factoring in a raise next year of 1.3%, Wyoming's Social Security recipients will get $1,575.98 per month.
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Average annual benefit in 2021:$18,924
The Social Security Administration says in Illinois, 1.63 million retired workers are collecting benefits.
They got an average $1,556.74 per month in 2020, or annual income from the program of $18,680.83, according to our math.
With a 1.3% raise for next year, Illinois seniors will receive $1,576.97 a month.
Average annual benefit in 2021:$18,960
In Arizona — another state that draws large numbers of retirees — 1.04 million retired workers are on Social Security.
We calculate that they received $1,559.72 a month, on average, in 2020, and an annual income of $18,716.66.
Retired workers in the Grand Canyon State stand to receive $1,579.00 per month next year.
Average annual benefit in 2021:$19,023
In Rhode Island, 160,706 retirees collect benefits that in 2020 averaged $1,564.92 a month or $18,779.08 for the full year.
The Ocean State is another of the 13 states that tax Social Security benefits, according to AARP.
According to our math, Rhode Island seniors next year will receive $1,585.27 per month.
Average annual benefit in 2021:$19,079
In Wisconsin, 923,461 retired workers take Social Security.
By our calculations, they received an average $1,569.55 a month in 2020, or an annual income from the program of $18,834.60.
With next year's 1.3% raise, Wisconsin's Social Security recipients will get $1,589.95 per month.
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Average annual benefit in 2021:$19,128
In Utah, 296,554 retirees collect benefits that averaged $1,573.53 per month and $18,882.40 for all of 2020.
Utah is yet another of the 13 states that levy state taxes on Social Security benefits, AARP says.
According to our math, seniors in the Beehive State next year will receive $1,593.99 per month.
Average annual benefit in 2021:$19,185
The Social Security Administration's data shows 1.11 million Virginia seniors are receiving benefits.
We calculate that they got $1,578.22 per month in 2020, and $18,938.68 for the full year.
Adding in a raise next year of 1.3%, Virginia's Social Security recipients will get $1,598.74 per month.
Average annual benefit in 2021:$19,192
In New York, 2.6 million retirees collect benefits that averaged $1,578.79 a month in 2020, or $18,945.49 for the full year.
The first official Social Security number was 055-09-0001 — issued in 1936 to 23-year-old John Sweeney Jr. of New Rochelle, New York.
Our math indicates that seniors in the Empire State next year will receive $1,599.32 per month.
Average annual benefit in 2021:$19,229
In Kansas, 402,018 retirees collect benefits that averaged $1,581.88 a month in 2020 and $18,982.61 for the year as a whole.
Kansas also is among the 13 states that collect taxes on some Social Security benefits, according to AARP.
According to our calculations, seniors in the Sunflower State next year will receive $1,602.45 per month.
Average annual benefit in 2021:$19,234
In Massachusetts, 901,679 retirees are drawing benefits from Social Security.
We calculate that they got an average $1,582.27 per month in 2020, or $18,987.19 for the year.
After next year's 1.3% raise, the Bay State's Social Security recipients will get $1,602.84 per month.
Average annual benefit in 2021:$19,246
In Pennsylvania, 2.01 million retirees collect Social Security benefits, according to the latest government data.
In 2020, they got an average $1,583.23 per month from the system and $18,998.77 over the course of the full year.
We calculate that seniors in the Keystone State next year will receive $1,603.81 per month.
Average annual benefit in 2021:$19,293
In Indiana, 946,375 retirees are on Social Security and got an average $1,587.15 per month in 2020 and $19,045.83 for the full year, according to our calculations.
That's not a lot to live on, which is why it's so vital to put money away during your working years so you'll have savings to fall back on in retirement.
Adding in next year's Social Security raise of 1.3%, Indiana beneficiaries will get $1,607.79 per month, on average.
Average annual benefit in 2021:$19,380
In Minnesota, 784,382 seniors collect Social Security benefits that in 2020 averaged out to $1,594.25 per month and $19,131.00 for the full year.
Minnesota is another of the 13 states that collect state income tax on Social Security benefits, AARP says.
Our math finds that seniors in the North Star State next year will typically receive $1,614.98 per month.
Average annual benefit in 2021:$19,548
Washington has 1.01 million retirees who are on Social Security. It's one of 14 states with over 1 million beneficiaries.
We calculate that Washingtonians received monthly payments averaging $1,608.13 in 2020, and an annual income of $19,297.61.
Retired workers in the Evergreen State stand to receive $1,629.04 per month next year.
Average annual benefit in 2021:$19,649
In Michigan, 1.54 million retired workers are receiving benefits from Social Security.
They got an average $1,616.43 per month from the program and an annual income of $19,397.18, according to our calculations.
After next year's 1.3% raise, the Great Lake State's Social Security recipients will get $1,637.44 per month.
Average annual benefit in 2021:$19,746
In Maryland, the state where the Social Security Administration is headquartered (in the Baltimore suburb of Woodlawn), 742,552 retirees collect benefits that in 2020 averaged $1,624.37 a month and $19,492.47 for the full year.
Despite the relatively high payouts here, there are plenty of other reasons you probably wouldn't want to retire in Maryland.
According to our calculations, seniors in the Old Line State next year will receive $1,645.49 per month.
Average annual benefit in 2021:$19,990
In this New England state, 220,989 collect benefits that in 2020 averaged $1,644.42 per month and $19,733.04 for the year.
The lowest Social Security number ever issued was given to Grace Owen of Concord, New Hampshire, in 1936. It was:001-01-0001.
By our math, seniors in the Granite State next year will receive $1,665.80 per month .
Average annual benefit in 2021:$20,164
In Delaware, 162,952 older people are on Social Security, according to the agency's data.
We calculate that they got an average $1,658.79 per month in 2020 and a typical annual benefit of $19,905.45.
Factoring in next year's Social Security raise of 1.3%, Delaware beneficiaries will get $1,607.79 per month.
Average annual benefit in 2021:$20,486
In Connecticut, 512,703 retirees are taking Social Security. We calculate that they received an average $1,685.29 per month and $20,223.45 for the full year.
Connecticut is the last of the 13 states that collect taxes on Social Security benefits, AARP says.
Retired workers in the Nutmeg State stand to receive an average $1,707.20 per month next year.
Average annual benefit in 2021:$20,537
The Garden State is where 1.21 million older people receive the largest average Social Security payments:$1,689.42 per month in 2020, or $20,273.09 for the full year, by our calculations.
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After the 2021 raise of 1.3%, New Jersey Social Security recipients typically will receive $1,711.39 per month.