Will Social Security Be Enough? How to Fill the Gap With Guaranteed Retirement Income

The average Social Security benefit pays about $2,071/month. Most retirees need $3,500–$5,500/month to maintain their lifestyle. That gap — often $1,500 to $3,000 per month — is the single biggest financial risk in retirement. This guide shows you exactly how to measure your gap and how a guaranteed annuity income stream can cover it for as long as you live.

By Annuity.com Editorial TeamReviewed by Bart Catmull, CPA, NACD.DCUpdated: March 2026Fact-Checked
BC
Bart Catmull, CPA, NACD.DC
Advisory Board Chairman, Annuity.com
22+ years at Sagicor Life Insurance Company (CFO, COO, President). Former EVP & Chief Strategy & Risk Officer at Security Mutual Life Insurance. 7 years at PricewaterhouseCoopers. Certified Public Accountant. NACD Directorship Certified™.
Loading HTML content...

Ready to explore your options?

Connect with a licensed annuity advisor who can help you find the right solution.

Find an Agent
Will Social Security Be Enough? How to Fill the Gap With Guaranteed Retirement Income — Annuity.com