India, Jan. 7 -- For those preparing for retirement, the start of 2026 introduces significant changes to the payment tables of the Social Security Administration. These modifications not only indicate a 2.8 percent rise in the cost of living (COLA) but also establish new financial limits for workers who have attained the highest earnings throughout their careers.

It is crucial to recognize that there is no universal figure applicable to everyone, as the ultimate amount is closely tied to one's earnings history and, most critically, the precise moment you choose to exit the workforce.

The maximum benefit a person can receive upon retirement in 2026 is entirely dependent on the age at which they decide to start claiming their payments. Be...