Most people do not spend too much time thinking about Social Security until the last minute when they are close to retiring. However, there are many decisions that a person makes during his or her working years that can significantly affect how much money one will receive from Supplemental Security Income (SSI). Making the wrong decisions can result in a lower amount on a person’s monthly check for SSI during retirement in Pennsylvania or any other state.
One mistake people make is to work less than 35 years. This can be a noticeable difference since the amount of benefits received from Social Security is based upon the 35 years in which one earns the most income. In other words, each year with higher earnings will cancel out a year with less earnings. Therefore, working for less than 35 years will cause years with no earnings to be factored into calculating benefits.