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CALL: 888-960-VETS (888-960-8387) How does Social Security calculate your retirement benefit? And why do military service years often result in lower Social Security payments for veterans? Social Security uses your 35 highest earning years, adjusts them for inflation, and averages them to determine your monthly benefit. But here's what most veterans don't realize: military service years often show lower taxable income compared to civilian jobs. Social Security uses ZEROS for any missing years in
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