Social Security - Payment Website Planner

For most current and future retirees, the social security administration will average your 35 highest years of earnings. Years in which you have low earnings or no earnings may be counted to bring the total years of earnings up to 35.
The Social Security administration has a Benefits Planner which is located at http://www.ssa.gov. The planner is divided into 4 sections including retirement, disability, survivors and calculators. Employees can determine their own social security benefit by using the calculate section.