A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Share | Related Content 18 Years’ Worth of Days The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose? Social Security Benefits: How Much Will I Receive Calculating your potential Social Security benefit is a three-step process. My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates.