What is the maximum monthly Social Security retirement benefit?
The maximum benefit depends on the age at which a worker chooses to retire. For a worker retiring at age 66 in 2010, the amount is $2,346. This figure is based on earnings at the maximum taxable amount for every year after age 21.
也就是说：全额是45年的积累。每少一年就少了1/45。
I worked for the last 10 years and I now have my 40 credits. Does this mean that I get the maximum Social Security retirement benefit?
Probably not. The 40 credits are the minimum number you need to qualify for a benefit. The amount of the benefit, however, is not based on those credits; it's based on your earnings. We determine your average earnings over your working years and use a special calculation formula that is set by law. For most people like you who need 40 credits, we must average their best 35 years of earnings to figure the benefit amount.
What is Supplemental Security Income (SSI)?
The SSI program provides monthly income to people with limited income and financial resources who are age 65 or older, blind or disabled. In January 2010 the SSI payment is $674 per month and $1,011 per month for an eligible couple.
To get SSI, your financial resources (savings and assets you own) cannot exceed $2,000 ($3,000 if married). If you are married, and only one person is eligible, a portion of your spouse's income may be counted. You can be eligible for SSI even if you have never worked in employment covered under Social Security.
Generally, to be eligible for SSI, an individual also must be a resident of the United States and must be a citizen or a noncitizen lawfully admitted for permanent residence. Also, some noncitizens granted a special immigration status by the Department of Homeland Security (DHS) may be eligible.
结论
第一，你必须是美国公民或有绿卡。
第二，你必须有40个Credits，即交税10年。
第三，交税10年后，每多报一年的税，你的退休金就增加2.22%。明显，晚移民的同胞吃了亏。
第四，退休金并不与自己买的401K发生关系。
第五，当你在美国交了13年的税（或52个Credits），SSI就跟你没什么关系了。它的作用就是使交税10年，11年和12年的人等同于交税13年的。
http://ssa-custhelp.ssa.gov/cgi-bin/ssa.cfg/php/enduser/std_adp.php?p_faqid=5&p_created=955050377&p_sid=r6Zrxo_j&p_accessibility=0&p_redirect=&p_srch=1&p_lva=&p_sp=cF9zcmNoPTEmcF9zb3J0X2J5PSZwX2dyaWRzb3J0PSZwX3Jvd19jbnQ9MzQsMzQmcF9wcm9kcz0mcF9jYXRzPTMsMSZwX3B2PSZwX2N2PTIuMSZwX3NlYXJjaF90eXBlPWFuc3dlcnMuc2VhcmNoX25sJnBfcGFnZT0x&p_li=&p_topview=1
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