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However, it's worth noting that exceeding the taxable maximum doesn't directly increase your benefits. Once you hit the maximum, any additional earnings don't contribute to your Social Security tax or your future benefits for that year. Your benefits are determined using a formula that takes into account your average indexed monthly earnings (AIME) over those 35 years, considering earnings up to the taxable maximum for each of those years. This AIME is then used to calculate your primary insurance amount (PIA), which is the foundation for your monthly benefit.
