Nytår er en tid med optimisme, men ældre amerikanere har ikke så meget at se frem til i 2021. De får sølle 1,3 % stigning til deres sociale sikringsydelser – den næstlaveste årlige stigning i programmets historie.

De fleste pensionister er afhængige af social sikring for mindst halvdelen af ​​deres indkomst, ifølge føderale data, men det er ikke mange penge. Månedlige betalinger vil i gennemsnit 1.543 USD på landsplan i 2021, kun 20 USD mere end før.

Og som sædvanligt vil fordelene være mere generøse i nogle stater end andre. Her er, hvordan alle 50 stater og District of Columbia rangerer for social sikring i 2021, fra den mindste gennemsnitlige årlige udbetaling til den største.

Uanset hvor meget du modtager, skal du sørge for at indsætte pengene på en højrenteopsparingskonto for at presse al den værdi ud af dem.

Vores metode:Vi brugte de mest aktuelle socialsikringsdata til at beregne 2019-ydelser for den gennemsnitlige pensionerede arbejdstager i hver stat og tilføjede derefter 1,6 % for at bestemme 2020-udbetalingerne. Til disse beløb tilføjede vi yderligere 1,3 % for at komme med de typiske fordele i hver stat i 2021.

51. Louisiana

Gennemsnitlig årlig fordel i 2021:17.284 USD

Ifølge Social Security Administrations seneste oplysninger er 559.820 pensionister fra Louisiana begunstigede.

Vi beregner, at de i gennemsnit fik 1421,83 $ om måneden i 2020 og 17.061,98 $ for året. Det er det laveste blandt de 50 stater og District of Columbia.

Med en leveomkostningsjustering på 1,3 % (COLA) for næste år vil modtagere af Louisiana Social Security få 1.440,32 USD om måneden.

50. Mississippi

Gennemsnitlig årlig fordel i 2021:17.348 USD

Socialsikringstjenestemænd siger, at 429.412 pensionerede arbejdere i Mississippi modtager ydelser. Vi beregner, at de i gennemsnit fik 1.427,13 USD pr. måned i 2020 og 17.125,62 USD for året.

I hele USA er omkring 1 ud af 5 ældre ægtepar på social sikring og næsten halvdelen af ​​ugifte seniorer afhængige af deres ydelser for mindst 90 % af deres indkomst, siger Social Security Administration.

Ifølge vores matematik vil Mississippianerne næste år modtage $1.445,69 om måneden.

49. Maine

Gennemsnitlig årlig fordel i 2021:17.465 USD

Social sikring siger, at 242.442 pensionerede arbejdere i Maine opkræver ydelser. Vi beregner, at de i gennemsnit fik 1.436,75 USD om måneden i 2020 – eller 17.241,00 USD for hele året.

Omkring 90% af amerikanerne 65 år eller ældre modtager sociale sikringsydelser. Nogle vælger at vente til de fylder 70, den alder, hvor du får din maksimalt mulige ydelse.

Vi anslår, at pensionisterne i Maine næste år vil modtage $1.455,43 om måneden.

48. New Mexico

Gennemsnitlig årlig fordel i 2021:17.516 USD

I New Mexico - en af ​​13 stater, der beskatter social sikring ifølge AARP - får 307.967 pensionister fordele. Vores beregninger siger, at betalingerne i 2020 i gennemsnit var 1.440,92 USD om måneden og 17.291,06 USD om året.

For at få hjælp til at strække din pensionsindkomst og opsparing så langt som muligt, kan du overveje at tilmelde dig en finansiel planlægningstjeneste. I et 30-minutters opkald kan du tale om mål, prioriteter og finde ud af, hvordan du kommer videre.

Efter næste års stigning på 1,3 % vil New Mexicos socialsikringsmodtagere få $1.459,65 om måneden.

47. Arkansas

Gennemsnitlig årlig fordel i 2021:17.589 USD

I Arkansas er 450.419 pensionister på social sikring, og de indsamlede ydelser, der i gennemsnit var $1.446,90 pr. måned i 2020 og $17.362,82 for hele året ifølge vores beregninger.

Ydelsesprogrammet startede i 1935, da præsident Franklin Roosevelt underskrev loven om social sikring.

Pensionerede arbejdere i Arkansas vil modtage $1.465,71 om måneden næste år.

46. Montana

Gennemsnitlig årlig fordel i 2021:17.623,15 USD

Ifølge Social Security Administrations seneste oplysninger er 178.102 pensionister fra Montana begunstigede. Vores matematik viser, at de i gennemsnit fik 1.449,75 USD om måneden i 2020, eller 17396,99 USD om året.

Montana er også blandt de 13 stater, der beskatter sociale ydelser, siger AARP.

Vi beregner, at seniorerne i Montana næste år vil modtage $1.468,60 om måneden.

45. Kentucky

Gennemsnitlig årlig fordel i 2021:17.676 USD

I Kentucky tager 618.077 pensionister social sikring, der i gennemsnit 2020-ydelse på $1.454,10 pr. måned og $17.449,17 for hele året.

Den 31. januar 1940 blev den første månedlige socialsikringscheck udstedt til Ida May Fuller, en pensioneret juridisk sekretær i Ludlow, Vermont. Hun modtog $22,54, hvilket svarer til $421,48 i dagens dollars.

Pensionister i Kentucky næste år vil modtage $1.473,00 om måneden ifølge vores matematik.

En måde at rydde gæld og opbygge din pensionsfond på er at refinansiere dit realkreditlån, hvis du er boligejer. Renter på realkredit er de laveste i historien, og en refi kan nemt spare dig for hundredvis af dollars om måneden.

44. South Dakota

Gennemsnitlig årlig fordel i 2021:17.788 USD

Social Security Administration siger, at 137.577 pensionerede arbejdere i South Dakota får fordele. Vi beregner, at betalingerne i 2020 i gennemsnit var 1.463,31 USD om måneden og 17.559,68 USD om året.

I løbet af sin levetid indsamlede Ida May Fuller – den første socialsikringsmodtager – ydelser på i alt omkring $22.889.

Efter næste års forhøjelse på 1,3 % vil South Dakotas socialsikringsmodtagere få 1.482,33 USD om måneden.

43. Alaska

Gennemsnitlig årlig fordel i 2021:17.810 USD

Embedsmænd siger, at 75.412 Alaska-pensionister er på social sikring, og - ifølge vores beregninger - fik de 1.465,14 USD om måneden i 2020, eller 17.581,66 USD for hele året.

Som alle andre beboere i Alaska modtager en pensionist også en årlig betaling fra statens olieformuefond. Beløbet for 2020 var $992.

Alaskas pensionerede arbejdere på social sikring vil modtage 1.484,18 USD om måneden næste år.

Du kan tromme flere penge til din pension ved at skrumpe prisen på din husejerforsikring, hvis du ejer et hjem. Sammenlign priser fra flere forsikringsselskaber for at se, om du skal skifte.

42. North Dakota

Gennemsnitlig årlig fordel i 2021:17.899 USD

I North Dakota indsamlede 99.735 pensionister ydelser, der i gennemsnit var $1.472,45 pr. måned i 2020 og $17.669,38 for året.

North Dakota er en anden af ​​de 13 stater, der opkræver skat på sociale ydelser, siger AARP.

Vi beregner, at statens pensionerede arbejdere næste år vil modtage $1.491,59 om måneden.

41. Oklahoma

Gennemsnitlig årlig fordel i 2021:18.097 USD

I Oklahoma fik 537.909 pensionister sociale ydelser, der i gennemsnit var 1.488,74 USD om måneden i 2020, eller 17.864,89 USD for året.

Sølle sociale sikringsydelser er en grund til, at arbejdende amerikanere skal spare mere - f.eks. gennem 401(k)-ordninger, der tilbydes af arbejdsgivere.

Seniorerne i Oklahoma næste år vil modtage $1.508,09 om måneden ifølge vores beregninger.

40. Nevada

Gennemsnitlig årlig fordel i 2021:18.123 USD

I Nevada er 413.107 pensionister på social sikring, og vi beregner, at de i gennemsnit modtog 1.490,89 USD om måneden i 2020, hvilket svarer til en årlig indkomst på 17.890,71 USD.

Social sikring tegner sig for omkring en tredjedel af de ældres indkomst, siger embedsmænd med programmet.

Med en forhøjelse næste år på 1,3 % vil Nevadas socialsikringsmodtagere få 1.510,27 USD om måneden.

39. District of Columbia

Average annual benefit in 2021:$18,127

In the District of Columbia, 58,903 retirees collected benefits that averaged $1,491.24 per month in 2020 or $17,894.83 over the course of the year.

An American can claim Social Security as early as age 62, but if you don't wait your monthly payment will be permanently reduced by up to 30%.

Retired workers in D.C. stand to receive $1,510.62 per month next year.

38. Texas

Average annual benefit in 2021:$18,183

In Texas, 2.95 million retirees are drawing Social Security benefits. We calculate that 2020's average payout in the Lone Star State was $1,495.80 per month and $17,949.64 for all of 2020.

Money from an IRA, or individual retirement account, can help you make ends meet in retirement — but you need to start saving as early as you can.

With next year's 1.3% raise added in, Texas Social Security recipients will get $1,515.25 per month.

37. West Virginia

Average annual benefit in 2021:$18,191

Social Security says 292,653 retired workers in West Virginia collect benefits from the program. In 2020, the state average was $1,496.44 and $17,957.24 for the year.

West Virginia is another of the 13 states that collect taxes on Social Security, AARP says.

According to our math, West Virginia seniors next year will receive $1,515.89 per month.

36. California

Average annual benefit in 2021:$18,191

In America's most populous state, 4.44 million retirees received Social Security payments averaging $1,496.45 a month in 2020 or $17,957.45 for the full year.

Antallet af ældre mennesker på social sikring i Californien er større end hele befolkningen i næsten halvdelen af ​​staterne.

Retired workers in the Golden State stand to receive $1,515.91 per month next year.

35. Idaho

Average annual benefit in 2021:$18,199

In Idaho, 259,909 retirees are on Social Security, and we calculate that they got $1,497.11 a month in 2020, or $17,965.34 for the full year.

Some U.S. seniors are lucky enough to have employer-based pensions that provide additional retirement income, though those have become rare.

After next year's 1.3% raise, Idaho's Social Security recipients will get $1,516.57 per month.

34. Alabama

Average annual benefit in 2021:$18,203

The Social Security Administration says 731,111 retirees in Alabama collect benefits that, according to our calculations, averaged $1,497.43 per month in 2020, or $17,969.13 annually.

Half of elderly retired couples in the U.S. and 70% of single retirees derive 50% or more of their income from Social Security, officials with the program say.

Retired workers in Alabama should be on the receiving end of $1,516.89 per month next year.

33. Georgia

Average annual benefit in 2021:$18,225

In Georgia, 1.29 million seniors receive Social Security benefits that averaged $1,499.23 a month in 2020, or $17,990.73 for the year.

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We calculate that Georgia's retired workers will receive $1,518.72 per month next year.

32. Ohio

Average annual benefit in 2021:$18,240

In Ohio, 1.62 million retirees collect benefits, and we calculate that their payments in 2020 averaged $1,500.46 a month and $18,005.50 for the full year.

During June 2020, some 45.8 million retired workers across the U.S. were receiving Social Security payments, officials say.

Factoring in the raise for next year of 1.3%, Ohio's Social Security recipients will get $1,519.96 per month.

31. Missouri

Average annual benefit in 2021:$18,259

In Missouri, 897,621 retirees are getting Social Security payments that averaged $1,502.10 per month in 2020, or $18,025.14 for the year.

Missouri er også blandt de 13 stater, der beskatter sociale sikringsydelser for i det mindste nogle pensionister, ifølge AARP.

According to our math, seniors in the Show Me State next year will receive $1,521.62 per month.

30. Tennessee

Average annual benefit in 2021:$18,415

The Social Security Administration says 995,471 retirees in Tennessee collect benefits that, according to our calculations, averaged $1,514.88 per month in 2020, or $18,178.54 annually.

Investment income, maybe through an automated investing service, or robo-advisor, can help retirees stretch their money.

Retired Tennesseeans next year will receive $1,534.57 per month, according to our calculations.

29. Florida

Average annual benefit in 2021:$18,449

In Florida — often considered America's retirement capital — some 3.51 million retirees are getting Social Security benefits.

According to our calculations, they collected $1,517.69 a month in 2020, and their annual income from the program was $18,212.30.

The seniors soaking up the sun in the Sunshine State stand to receive $1,537.42 per month next year.

28. Hawaii

Average annual benefit in 2021:$18,485

In Hawaii — one of the best states for retirement — 218,219 seniors receive retirement benefits from Uncle Sam.

We calculate that they got an average $1,520.65 per month in 2020, and $18,247.86 in annual income from Social Security.

With next year's 1.3% raise, Hawaii's Social Security recipients will get $1,540.42 per month.

27. North Carolina

Average annual benefit in 2021:$18,577

In North Carolina, 1,526,249 retired workers receive benefits that in 2020 averaged $1,528.19 per month and $18,338.34 for the year.

Amerikanerne lever længere og må stole på social sikring i længere perioder. I 1940 forventedes en 65-årig at leve næsten 14 år, fortæller Social Security Administration. Today, that life expectancy is more than 20 years.

Our calculations find that North Carolina seniors next year will receive $1,548.06 per month.

26. Oregon

Average annual benefit in 2021:$18,622

Oregon has 998,643 retired workers on Social Security, federal numbers show.

In 2020, their benefits averaged $1,531.92 per month and $18,383 for the full year.

According to our math, seniors in the Beaver State next year will receive $1,551.84 per month.

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25. Iowa

Average annual benefit in 2021:$18,665

In Iowa, 482,117 retirees collect benefits, according to the Social Security Administration.

They received $1,535.46 per month from the program and an annual income of $18,425.48 for 2020, by our calculations.

Adding next year's 1.3% raise, Iowa's Social Security recipients will get $1,555.42 per month.

24. Nebraska

Average annual benefit in 2021:$18,698

In Nebraska, 257,481 retirees collect benefits that in 2020 averaged $1,538.18 per month and $18,458.11 for the whole year, according to our math.

Nebraska er en anden af ​​de 13 stater, der beskatter sociale sikringsydelser for i det mindste nogle pensionister, siger AARP.

Retired workers in the Cornhusker State stand to receive $1,558.17 per month next year.

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23. South Carolina

Average annual benefit in 2021:$18,760

In South Carolina, 828,566 retirees get Social Security benefits, according to goverment data.

We calculate that they received an average $1,543.28 a month in 2020, or $18,519.36 for the full year.

With next year's raise of 1.3%, South Carolina Social Security recipients will get $1,563.34 per month.

22. Colorado

Average annual benefit in 2021:$18,785

Colorado has 665,194 retirees on Social Security, and their benefits in 2020 averaged $1545.31 per month, or $18,543.68 on an annual basis.

The Centennial State also is one of the 13 states that collect taxes on Social Security benefits, AARP says.

Our math indicates that Colorado seniors next year will receive $1,565.40 per month.

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21. Vermont

Average annual benefit in 2021:$18,862

In Vermont, 109,498 retirees collect Social Security benefits that in 2020 averaged $1,551.65 per week, or $18,619.81 for the full year, according to our calculations.

Vermont is yet another of the 13 states that collect taxes on Social Security benefits, AARP says.

Retired workers in the Green Mountain State stand to receive $1,571.82 per month next year.

20. Wyoming

Average annual benefit in 2021:$18,912

In this sparsely populated state, 85,085 collect Social Security benefits, according to the program's data.

We calculate that they typically received $1,555.76 monthly in 2020, or $18,669.09 over the course of the year.

Factoring in a raise next year of 1.3%, Wyoming's Social Security recipients will get $1,575.98 per month.

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19. Illinois

Average annual benefit in 2021:$18,924

The Social Security Administration says in Illinois, 1.63 million retired workers are collecting benefits.

They got an average $1,556.74 per month in 2020, or annual income from the program of $18,680.83, according to our math.

With a 1.3% raise for next year, Illinois seniors will receive $1,576.97 a month.

18. Arizona

Average annual benefit in 2021:$18,960

In Arizona — another state that draws large numbers of retirees — 1.04 million retired workers are on Social Security.

We calculate that they received $1,559.72 a month, on average, in 2020, and an annual income of $18,716.66.

Retired workers in the Grand Canyon State stand to receive $1,579.00 per month next year.

17. Rhode Island

Average annual benefit in 2021:$19,023

In Rhode Island, 160,706 retirees collect benefits that in 2020 averaged $1,564.92 a month or $18,779.08 for the full year.

The Ocean State is another of the 13 states that tax Social Security benefits, according to AARP.

According to our math, Rhode Island seniors next year will receive $1,585.27 per month.

16. Wisconsin

Average annual benefit in 2021:$19,079

In Wisconsin, 923,461 retired workers take Social Security.

By our calculations, they received an average $1,569.55 a month in 2020, or an annual income from the program of $18,834.60.

With next year's 1.3% raise, Wisconsin's Social Security recipients will get $1,589.95 per month.

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15. Utah

Average annual benefit in 2021:$19,128

In Utah, 296,554 retirees collect benefits that averaged $1,573.53 per month and $18,882.40 for all of 2020.

Utah er endnu en af ​​de 13 stater, der opkræver statsskatter på sociale sikringsydelser, siger AARP.

According to our math, seniors in the Beehive State next year will receive $1,593.99 per month.

14. Virginia

Average annual benefit in 2021:$19,185

The Social Security Administration's data shows 1.11 million Virginia seniors are receiving benefits.

We calculate that they got $1,578.22 per month in 2020, and $18,938.68 for the full year.

Adding in a raise next year of 1.3%, Virginia's Social Security recipients will get $1,598.74 per month.

13. New York

Average annual benefit in 2021:$19,192

In New York, 2.6 million retirees collect benefits that averaged $1,578.79 a month in 2020, or $18,945.49 for the full year.

The first official Social Security number was 055-09-0001 — issued in 1936 to 23-year-old John Sweeney Jr. of New Rochelle, New York.

Our math indicates that seniors in the Empire State next year will receive $1,599.32 per month.

12. Kansas

Average annual benefit in 2021:$19,229

In Kansas, 402,018 retirees collect benefits that averaged $1,581.88 a month in 2020 and $18,982.61 for the year as a whole.

Kansas also is among the 13 states that collect taxes on some Social Security benefits, according to AARP.

According to our calculations, seniors in the Sunflower State next year will receive $1,602.45 per month.

11. Massachusetts

Average annual benefit in 2021:$19,234

In Massachusetts, 901,679 retirees are drawing benefits from Social Security.

We calculate that they got an average $1,582.27 per month in 2020, or $18,987.19 for the year.

After next year's 1.3% raise, the Bay State's Social Security recipients will get $1,602.84 per month.

10. Pennsylvania

Average annual benefit in 2021:$19,246

In Pennsylvania, 2.01 million retirees collect Social Security benefits, according to the latest government data.

In 2020, they got an average $1,583.23 per month from the system and $18,998.77 over the course of the full year.

We calculate that seniors in the Keystone State next year will receive $1,603.81 per month.

9. Indiana

Average annual benefit in 2021:$19,293

In Indiana, 946,375 retirees are on Social Security and got an average $1,587.15 per month in 2020 and $19,045.83 for the full year, according to our calculations.

That's not a lot to live on, which is why it's so vital to put money away during your working years so you'll have savings to fall back on in retirement.

Adding in next year's Social Security raise of 1.3%, Indiana beneficiaries will get $1,607.79 per month, on average.

8. Minnesota

Average annual benefit in 2021:$19,380

In Minnesota, 784,382 seniors collect Social Security benefits that in 2020 averaged out to $1,594.25 per month and $19,131.00 for the full year.

Minnesota is another of the 13 states that collect state income tax on Social Security benefits, AARP says.

Our math finds that seniors in the North Star State next year will typically receive $1,614.98 per month.

7. Washington

Average annual benefit in 2021:$19,548

Washington has 1.01 million retirees who are on Social Security. It's one of 14 states with over 1 million beneficiaries.

We calculate that Washingtonians received monthly payments averaging $1,608.13 in 2020, and an annual income of $19,297.61.

Retired workers in the Evergreen State stand to receive $1,629.04 per month next year.

6. Michigan

Average annual benefit in 2021:$19,649

In Michigan, 1.54 million retired workers are receiving benefits from Social Security.

They got an average $1,616.43 per month from the program and an annual income of $19,397.18, according to our calculations.

After next year's 1.3% raise, the Great Lake State's Social Security recipients will get $1,637.44 per month.

5. Maryland

Average annual benefit in 2021:$19,746

In Maryland, the state where the Social Security Administration is headquartered (in the Baltimore suburb of Woodlawn), 742,552 retirees collect benefits that in 2020 averaged $1,624.37 a month and $19,492.47 for the full year.

Despite the relatively high payouts here, there are plenty of other reasons you probably wouldn't want to retire in Maryland.

According to our calculations, seniors in the Old Line State next year will receive $1,645.49 per month.

4. New Hampshire

Average annual benefit in 2021:$19,990

In this New England state, 220,989 collect benefits that in 2020 averaged $1,644.42 per month and $19,733.04 for the year.

The lowest Social Security number ever issued was given to Grace Owen of Concord, New Hampshire, in 1936. It was:001-01-0001.

By our math, seniors in the Granite State next year will receive $1,665.80 per month .

3. Delaware

Average annual benefit in 2021:$20,164

In Delaware, 162,952 older people are on Social Security, according to the agency's data.

We calculate that they got an average $1,658.79 per month in 2020 and a typical annual benefit of $19,905.45.

Factoring in next year's Social Security raise of 1.3%, Delaware beneficiaries will get $1,607.79 per month.

2. Connecticut

Average annual benefit in 2021:$20,486

In Connecticut, 512,703 retirees are taking Social Security. We calculate that they received an average $1,685.29 per month and $20,223.45 for the full year.

Connecticut is the last of the 13 states that collect taxes on Social Security benefits, AARP says.

Retired workers in the Nutmeg State stand to receive an average $1,707.20 per month next year.

1. New Jersey

Average annual benefit in 2021:$20,537

The Garden State is where 1.21 million older people receive the largest average Social Security payments:$1,689.42 per month in 2020, or $20,273.09 for the full year, by our calculations.

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After the 2021 raise of 1.3%, New Jersey Social Security recipients typically will receive $1,711.39 per month.