Average Social Security Check at Age 98
Updated June 2026 · Source: Social Security Administration
SSA publishes these figures twice a year, in June and December. The December 2026 snapshot will appear here automatically once SSA releases it.
- average monthly check
- $1,890.28
- beneficiaries age 98
- 51,505
- average for men
- $1,995.34
- average for women
- $1,839.63
Social Security retirement beneficiaries who are 98 years old receive an average of $1,890.28 per month, as of June 2026, paid to 51,505 people at this age. By this age most people claimed years earlier; amounts reflect past claiming decisions plus annual cost-of-living adjustments.
SSA has not published 2027 figures yet. Based on how the average at this age has changed over the last 5 years, our estimate for 2027 is around $1,975.94 a month. It is a projection, not an official number, and it is flagged in the table below.
Average check at age 98 by year
| Year | Average check | Change |
|---|---|---|
| 2027estimated | ~$1,975.94 | +$85.66 |
| 2026 | $1,890.28 | +$2.71 |
| 2025 | $1,887.57 | +$88.84 |
| 2024 | $1,798.73 | +$37.33 |
| 2023 | $1,761.40 | +$84.81 |
| 2022 | $1,676.59 | +$157.90 |
| 2021 | $1,518.69 | +$89.55 |
| 2020 | $1,429.14 | +$29.40 |
| 2019 | $1,399.74 | +$29.32 |
| 2018 | $1,370.42 | +$24.11 |
| 2017 | $1,346.31 | −$12.79 |
| 2016 | $1,359.10 | −$12.25 |
| 2015 | $1,371.35 | −$71.57 |
| 2014 | $1,442.92 | +$60.07 |
| 2013 | $1,382.85 | - |
Annual increases largely track Social Security's cost-of-living adjustment (COLA). The 2027 row marked “estimated” is our projection, not SSA data: it applies this age group's average change over the last 5 years to the June 2026 figure. SSA's actual 2027 numbers will replace it once published.
Men vs. women at age 98
At age 98, men receive about $1,995.34 per month and women about $1,839.63, a difference of $155.71 (8%), mostly reflecting differences in lifetime earnings and claiming age.
Frequently asked questions
- What is the average Social Security check at age 98?
- As of June 2026, the average monthly Social Security retirement benefit for beneficiaries age 98 is $1,890.28, based on 51,505 beneficiaries (SSA data).
- Do men or women get more at age 98?
- At age 98, men receive about $1,995.34 per month on average and women about $1,839.63, a gap of $155.71 (8%), largely reflecting lifetime earnings differences.
- Is age 98 a good time to claim Social Security?
- By this age most people claimed years earlier; amounts reflect past claiming decisions plus annual cost-of-living adjustments.