Social Security Planning: Maximum Benefits, State Taxes, and Claiming Strategies

Key updates: maximum benefit at full retirement age is $4,152 in 2026 (requires 35 years at taxable max). Family benefits max at 150-180% of worker's benefit. 13 states will not tax Social Security benefits in 2026. Retroactive lump sum claiming option explained. Experts warn relying solely on Social Security may be insufficient.