科普一下社安保险点数和金额的封顶
社安的点数， 就是所谓 Social Security credits， 你挣很少钱就可以得到或交满， 在2015年 In 2015, you get one credit for every $1,220 you make。 就是一年大约5000你就可以得到满分，four credits.。 你挣再多钱 也是four credits.， 这是Social Security credits的封顶。 主要是照顾低收入者。 鼓励低收入者也去工作。所以10年的要求是很容易达到的。 一些年纪很大才来美国的， 做一些普通的工作，都可以凑够点数。
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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.
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但SS 交税的金额封顶是不一样的。 下面是到2015年的表格，2015年是 $118,500 封顶。 你同样只拿4个点，Social Security credits。 但是你交多多去了。 当然你的社安最后也多。 但也有封顶。 最新的 full retirement benefit 是 $2,861 一个月。 所以多交金额的贡献大，而不是多交年限的贡献大。 最大贡献就是高端中产阶级。 就是我们这些交到顶的。
象高端中产， SSB 是完全不够用的， 401K要起同等的作用， 这两个加起来是基本退休收入。 但还都不够。 这就是另外的话题了。
| Year | Wage Base | Increase | Maximum Social Security Employee Share | Maximum Social Security Employer Share | Maximum Total Contribution to Social Security |
|---|---|---|---|---|---|
| 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 |