Oud en Nieuw is een tijd van optimisme, maar oudere Amerikanen hebben niet zoveel om naar uit te kijken in 2021. Ze krijgen een schamele verhoging van 1,3% van hun socialezekerheidsuitkeringen - de op een na laagste jaarlijkse verhoging in de geschiedenis van het programma.
De meeste gepensioneerden zijn volgens federale gegevens voor minstens de helft van hun inkomen afhankelijk van de sociale zekerheid, maar het is niet veel geld. Maandelijkse betalingen zullen landelijk gemiddeld $ 1.543 in 2021 zijn, slechts $ 20 meer dan voorheen.
En zoals gewoonlijk zullen de voordelen in sommige staten genereuzer zijn dan in andere. Dit is hoe alle 50 staten en het District of Columbia in 2021 scoren op het gebied van sociale zekerheid, gaande van de kleinste gemiddelde jaarlijkse uitbetaling tot de grootste.
Het maakt niet uit hoeveel u ontvangt, zorg ervoor dat u het geld op een spaarrekening met hoge rente zet om er zoveel mogelijk uit te halen.
Onze methode:we hebben de meest actuele socialezekerheidsgegevens gebruikt om de uitkeringen voor 2019 voor de gemiddelde gepensioneerde werknemer in elke staat te berekenen, en hebben vervolgens 1,6% toegevoegd om de uitbetalingen voor 2020 te bepalen. Aan die bedragen hebben we nog eens 1,3% toegevoegd om de typische voordelen in elke staat in 2021 te bedenken.
Gemiddelde jaarlijkse uitkering in 2021:$ 17.284
Volgens de meest recente informatie van de Social Security Administration zijn 559.820 gepensioneerden uit Louisiana de begunstigden.
We berekenen dat ze in 2020 gemiddeld $ 1421,83 per maand kregen, en $ 17,061,98 voor het jaar. Dat is het laagste van de 50 staten en het District of Columbia.
Met een aanpassing van de kosten van levensonderhoud (COLA) van 1,3% voor volgend jaar, ontvangen ontvangers van de sociale zekerheid in Louisiana $ 1.440,32 per maand.
Gemiddelde jaarlijkse uitkering in 2021:$ 17.348
Ambtenaren van de sociale zekerheid zeggen dat 429.412 gepensioneerde werknemers in Mississippi een uitkering ontvangen. We berekenen dat ze in 2020 gemiddeld $ 1.427,13 per maand kregen, en $ 17.125,62 voor het jaar.
In de VS is ongeveer 1 op de 5 oudere gehuwde paren van de sociale zekerheid en bijna de helft van de ongehuwde senioren afhankelijk van hun uitkering voor ten minste 90% van hun inkomen, zegt de Social Security Administration.
Volgens onze berekeningen zullen de Mississippianen volgend jaar $ 1.445,69 per maand ontvangen.
Gemiddelde jaarlijkse uitkering in 2021:$ 17.465
De sociale zekerheid zegt dat 242.442 gepensioneerde werknemers in Maine uitkeringen ontvangen. We berekenen dat ze in 2020 gemiddeld $ 1.436,75 per maand ontvingen — of $ 17.241,00 voor het hele jaar.
Ongeveer 90% van de Amerikanen van 65 jaar of ouder ontvangt socialezekerheidsuitkeringen. Sommigen kiezen ervoor te wachten tot ze 70 worden, de leeftijd waarop u uw maximaal mogelijke uitkering ontvangt.
We schatten dat de gepensioneerden in Maine volgend jaar $ 1.455,43 per maand zullen ontvangen.
Gemiddelde jaarlijkse uitkering in 2021:$17.516
In New Mexico - een van de 13 staten die volgens AARP de sociale zekerheid belasten - krijgen 307.967 gepensioneerden een uitkering. Volgens onze berekeningen bedroegen de betalingen in 2020 gemiddeld $1.440,92 per maand en $17.291,06 per jaar.
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Na de verhoging van 1,3% volgend jaar, krijgen de ontvangers van de sociale zekerheid in New Mexico $ 1.459,65 per maand.
Gemiddelde jaarlijkse uitkering in 2021:$17.589
In Arkansas hebben 450.419 gepensioneerden een sociale zekerheid, en volgens onze berekeningen ontvingen ze uitkeringen van gemiddeld $ 1.446,90 per maand in 2020 en $ 17.362,82 voor het hele jaar.
Het uitkeringsprogramma begon in 1935, toen president Franklin Roosevelt de wet op de sociale zekerheid ondertekende.
Gepensioneerde werknemers in Arkansas zullen volgend jaar $ 1.465,71 per maand ontvangen.
Gemiddelde jaarlijkse uitkering in 2021:$ 17.623,15
Volgens de meest recente informatie van de Social Security Administration zijn 178.102 Montana-gepensioneerden begunstigden. Uit onze wiskunde blijkt dat ze in 2020 gemiddeld $ 1.449,75 per maand kregen, of $ 17396,99 per jaar.
Montana is ook een van de 13 staten die socialezekerheidsuitkeringen belasten, zegt AARP.
We berekenen dat de senioren in Montana volgend jaar $ 1.468,60 per maand zullen ontvangen.
Gemiddeld jaarlijks voordeel in 2021:$ 17.676
In Kentucky nemen 618.077 gepensioneerden sociale zekerheid, wat neerkwam op een gemiddelde uitkering in 2020 van $ 1.454,10 per maand en $ 17.449,17 voor het volledige jaar.
Op 31 januari 1940 werd de eerste maandelijkse socialezekerheidscheque uitgereikt aan Ida May Fuller, een gepensioneerde juridisch secretaresse in Ludlow, Vermont. Ze ontving $ 22,54, wat overeenkomt met $ 421,48 in de dollars van vandaag.
Gepensioneerden in Kentucky ontvangen volgend jaar $ 1.473,00 per maand, volgens onze berekening.
Een manier om schulden af te lossen en uw pensioenfonds op te bouwen, is door uw hypotheek te herfinancieren, als u een huiseigenaar bent. Hypotheekrentes zijn de laagste in de geschiedenis, en een refi kan u gemakkelijk honderden dollars per maand besparen.
Gemiddelde jaarlijkse uitkering in 2021:$ 17.788
De Social Security Administration zegt dat 137.577 gepensioneerde werknemers in South Dakota een uitkering krijgen. We berekenen dat de betalingen in 2020 gemiddeld $ 1.463,31 per maand en $ 17.559,68 per jaar bedroegen.
Tijdens haar leven ontving Ida May Fuller - de eerste ontvanger van de sociale zekerheid - uitkeringen van in totaal ongeveer $ 22.889.
Na de verhoging van 1,3% volgend jaar, ontvangen de ontvangers van de sociale zekerheid in South Dakota $ 1.482,33 per maand.
Gemiddelde jaarlijkse uitkering in 2021:$ 17.810
Ambtenaren zeggen dat 75.412 gepensioneerden uit Alaska een sociale zekerheid hebben, en volgens onze berekeningen kregen ze in 2020 $ 1.465,14 per maand, of $ 17.581,66 voor het hele jaar.
Net als elke andere inwoner van Alaska ontvangt een gepensioneerde ook een jaarlijkse betaling van het oliefonds van de staat. Het bedrag voor 2020 was $992.
De gepensioneerde werknemers van Alaska van de sociale zekerheid ontvangen volgend jaar $ 1.484,18 per maand.
U kunt meer geld verdienen voor uw pensioen door de kosten van uw huiseigenarenverzekering te verlagen als u een huis bezit. Vergelijk tarieven van meerdere verzekeraars om te zien of u moet overstappen.
Gemiddeld jaarlijks voordeel in 2021:$ 17.899
In North Dakota ontvingen 99.735 gepensioneerden uitkeringen van gemiddeld $ 1.472,45 per maand in 2020 en $ 17.669,38 voor het hele jaar.
North Dakota is een van de 13 staten die belastingen innen op socialezekerheidsuitkeringen, zegt AARP.
We berekenen dat de gepensioneerde werknemers van de staat volgend jaar $ 1.491,59 per maand zullen ontvangen.
Gemiddelde jaarlijkse uitkering in 2021:$ 18.097
In Oklahoma ontvingen 537.909 gepensioneerden socialezekerheidsuitkeringen van gemiddeld $ 1.488,74 per maand in 2020, of $ 17.864,89 voor het jaar.
Schaarse socialezekerheidsuitkeringen zijn een reden waarom werkende Amerikanen meer moeten sparen, zoals via 401 (k) -plannen die door werkgevers worden aangeboden.
Volgens onze berekeningen zullen de senioren in Oklahoma volgend jaar $ 1.508,09 per maand ontvangen.
Gemiddelde jaarlijkse uitkering in 2021:$ 18.123
In Nevada hebben 413.107 gepensioneerden een sociale zekerheid en we berekenen dat ze in 2020 gemiddeld $ 1.490,89 per maand ontvingen, wat neerkomt op een jaarinkomen van $ 17.890,71.
De sociale zekerheid is goed voor ongeveer een derde van het inkomen van ouderen, zeggen functionarissen van het programma.
Met een verhoging volgend jaar van 1,3%, ontvangen de ontvangers van de sociale zekerheid in Nevada $ 1.510,27 per maand.
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.
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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.
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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.
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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.
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