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Social Security average benefit in 1985 and how it compares today.
Summary
The Social Security Administration reported the average monthly benefit for retired workers was $479 at the end of 1985 (about $1,435 in 2025 dollars). In 2026 the average benefit for retired workers was reported as $2,071.
Content
The article compares the average Social Security benefit paid in 1985 with reported averages in 2026 and discusses how benefits have tracked inflation. It notes specific 1985 benefit levels reported by the Social Security Administration and gives the inflation-adjusted value for one of those figures. The piece also mentions recent analyses that say benefits have not fully kept pace with costs in some areas.
1985 and modern figures:
- The Social Security Administration reported the average monthly benefit for retired workers at the end of 1985 was $479.
- Other 1985 averages reported were $246 for spouses, $484 for workers with disabilities, and $433 for survivor benefits.
- The Federal Reserve inflation adjustment put the 1985 $479 benefit at $1,435.09 in 2025 dollars.
- The Social Security Administration reported the average retired worker benefit in 2026 as $2,071 and the average for workers with disabilities as $1,630.
- The Senior Citizens League reported that benefits have lost about 20% of buying power since 2010, as reported in the article.
- The article notes that the formula used for cost-of-living adjustments is reported to undercount inflation in healthcare and housing, which is cited as a factor in reduced buying power.
Summary:
The article presents historical and recent average benefit amounts and notes that nominal benefit levels have increased while some analyses find they have not fully preserved purchasing power. It also restates that Social Security benefits were originally intended to replace a portion of preretirement income rather than fully fund retirement. Undetermined at this time.
