Updated
Updated · The Motley Fool · Nov 8
Women Receive $409.85 Less in Social Security Than Men, With Gap Reaching $505.54 at 70
Updated
Updated · The Motley Fool · Nov 8

Women Receive $409.85 Less in Social Security Than Men, With Gap Reaching $505.54 at 70

3 articles · Updated · The Motley Fool · Nov 8

Summary

  • $1,872.43 is the average monthly Social Security benefit for women, versus $2,282.28 for men, based on SSA data from December 2025.
  • The gap appears across every retiree age from 62 to 70 and widens with age, reaching $505.54 a month at age 70 — $2,024.08 for women versus $2,529.62 for men.
  • SSA ties the disparity to lower lifetime earnings and fewer years in paid work, since benefits are calculated from a worker's highest-earning 35 years.
  • Women also face a longer payout horizon: a 65-year-old woman is expected to live about 21 more years, versus 18 for a man, stretching smaller checks further.
  • A 3.6% COLA will lift 2027 payments, while some women may receive higher spousal or survivor benefits tied to a partner's work record.

Insights

Men get larger monthly checks, but do women actually extract more total wealth from the system by simply living longer?
How can a simple shift in a spouse's retirement timeline permanently erase the gender gap in your household's lifetime income?
Could taking time off to raise children secretly cost you thousands in hidden Social Security penalties decades later?