Most people should prepare to receive less than the maximum benefit.

Even with its faults, it would be hard to argue against how beneficial the Social Security program is for millions of Americans. After decades of paying into the Social Security system (for most people at least), it's a well-earned financial uplift that Americans can look forward to in their golden years.

Considering how important Social Security is to retirees and their finances, it makes sense that many would aim to receive the highest benefit possible, which is $5,108 in 2025. Qualifying for the maximum benefit isn't an easy task, but there are ways to make it happen. Let's take a look at the two-step process it takes to qualify.

Your lifetime earnings play a huge role in determining if you qualify

Your earnings

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