Social Security calculates benefits for seniors on an individual basis, and the monthly benefit you're entitled to during retirement will hinge on different factors. Those include the amount of money you earned during your career, the number of years you worked, and the age at which you sign up for Social Security.

This year, the maximum Social Security benefit you can collect is $4,194. And most seniors don't receive a monthly benefit anywhere near that high.

But as difficult as it is right now to claim the maximum monthly Social Security benefit, in the future, it could become even more difficult. Here's why.

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Source Fool.com