社安的點數， 就是所謂 Social Security credits， 你掙很少錢就可以得到或交滿， 在2015年 In 2015, you get one credit for every $1,220 you make。 就是一年大約5000你就可以得到滿分，four credits.。 你掙再多錢 也是four credits.， 這是Social Security credits的封頂。 主要是照顧低收入者。 鼓勵低收入者也去工作。所以10年的要求是很容易達到的。 一些年紀很大才來美國的， 做一些普通的工作，都可以湊夠點數。
“ Earning Social Security credits is simple. Each year, the SSA looks at the amount of money you earn from work on which you pay Social Security payroll taxes. In 2015, you get one credit for every $1,220 you make and pay Social Security taxes on. That $1,220 figure gets adjusted for inflation every year. You can only earn a maximum of four Social Security credits each year. So it doesn't matter if you earn $5,000 or $500,000 in a given year -- you'll still only get four credits. ” 但SS 交稅的金額封頂是不一樣的。 下面是到2015年的表格，2015年是 $118,500 封頂。 你同樣只拿4個點，Social Security credits。 但是你交多多去了。 當然你的社安最後也多。 但也有封頂。 最新的 full retirement benefit 是 $2,861 一個月。 所以多交金額的貢獻大，而不是多交年限的貢獻大。 最大貢獻就是高端中產階級。 就是我們這些交到頂的。
象高端中產， SSB 是完全不夠用的， 401K要起同等的作用， 這兩個加起來是基本的退休收入。 但還都不夠。 還要一些其他的，這就是另外的話題了。
| Year | Wage Base | Increase | Maximum Social Security Employee Share | Maximum Social Security Employer Share | Maximum Total Contribution to Social Security |
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| 2020 | $137,700 | 3.6% | $8,537.40 | $8,537.40 | $17,074.80 | | 2019 | $132,900 | 3.5% | $8,239.80 | $8,239.80 | $16,479.60 | | 2018 | $128,400 | 0.9% | $7,960.80 | $7,960.80 | $15,921.60 | | 2017 | $127,200 | 7.3% | $7,886.40 | $7,886.40 | $15,772.80 | | 2016 | $118,500 | 0.0% | $7,347.00 | $7,347.00 | $14,694.00 | | 2015 | $118,500 | 1.3% | $7,347.00 | $7,347.00 | $14,694.00 |
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