若工作的年限为20年，头7年有正常收入，后面几年自己为self-employed, 但没怎么挣到钱，即收入很少，到62岁eligible for social security benefit时其数额应怎样计算？
太离谱啦
https://www.ssa.gov/pubs/EN-05-10070.pdf
Quick Calculator (ssa.gov)
如果要精确，填好内容后点 submit request, 再点 see the earnings we used，把右手边的earnings换成自己真正的（你的social security account里面有），然后点submit earnings information
最后退休金就是退休年龄和最高35年（包括零收入年）的一个函数
如何计算月平均工资
https://www.ssa.gov/oact/progdata/retirebenefit1.html
如何从月平均工资推算月社保福利
https://www.ssa.gov/oact/progdata/retirebenefit2.html
(35年总报税收入) ÷ 35 ÷ 12 = 每月退休金
如果那年没有报税收入，则用0算那年的收入计算。
First, highest 35 years of income are adjusted for inflation, so that 2020's income is factored as 1, and 1985's income is factored as > 3.
The factored 35 years of income are added together, divided by (35 x 12), that's your Average Indexed Monthly Earnings (AIME) to be used as benefit.
Next, the AIME is going through adjustment to factor in retirement age etc. to arrive at the final monthly benefit.
若工作的年限为20年，头7年有正常收入，后面几年自己为self-employed, 但没怎么挣到钱，即收入很少，到62岁eligible for social security benefit时其数额应怎样计算？
太离谱啦
https://www.ssa.gov/pubs/EN-05-10070.pdf
Quick Calculator (ssa.gov)
如果要精确，填好内容后点 submit request, 再点 see the earnings we used，把右手边的earnings换成自己真正的（你的social security account里面有），然后点submit earnings information
最后退休金就是退休年龄和最高35年（包括零收入年）的一个函数
如何计算月平均工资
https://www.ssa.gov/oact/progdata/retirebenefit1.html
如何从月平均工资推算月社保福利
https://www.ssa.gov/oact/progdata/retirebenefit2.html
(35年总报税收入) ÷ 35 ÷ 12 = 每月退休金
如果那年没有报税收入，则用0算那年的收入计算。
First, highest 35 years of income are adjusted for inflation, so that 2020's income is factored as 1, and 1985's income is factored as > 3.
The factored 35 years of income are added together, divided by (35 x 12), that's your Average Indexed Monthly Earnings (AIME) to be used as benefit.
Next, the AIME is going through adjustment to factor in retirement age etc. to arrive at the final monthly benefit.