The only way to receive the maximum Social Security benefit is by reaching the Full Retirement Age, as stated by Forbes. The maximum Social Security benefit is prone to change with each coming year.
To calculate the maximum benefit of a person, his or her top 35 highest earning years are added to find the annual average wage. For people who do not have 35 years of earnings, their calculations will include zeros for those cases that they paid Social Security, but didn't have a job. The date when an individual registered for Social Security benefits also has a large impact on their benefits, notes U.S. News & World Report.