In April 2025, Social Security retirement beneficiaries will receive their payments according to a schedule based on their date of birth, as has been customary for this federal agency for many years. Deposits will be made on Wednesdays, April 9, 16 and 23, corresponding to the ranges from 1 to 10, 11 to 20 and 21 to 31 of the month, respectively.
Those with birthdays between the 1st and 10th will receive their benefit on the second Wednesday (April 9). Those born between the 11th and the 20th will do so on the third Wednesday (April 16), while those from the 21st to the 31st will receive their payment on the fourth Wednesday (April 23). The Social Security Administration (SSA) has maintained this scheme for decades to streamline the distribution of funds.
One group has to wait until May 3 to get a new payment
Exceptions apply to those who received Social Security before May 1997 or simultaneously receive Supplemental Security Income (SSI). In these cases, the retirement payment was made on April 3 (Thursday), and the SSI was deposited on May 1 (Thursday).
After that payment, the beneficiaries with birthdates 1 to 10 of the month, will see the cash hit the bank accounts on May 14 (second Wednesday of the month).
The maximum retirement payments depend, in the first instance, on the age at which you decide to start claiming your benefits. If you choose to retire at age 62 (the earliest age allowed), the maximum payment you can receive is $2,831. However, if you wait until Full Retirement Age (FRA) of 67 years, the payment can rise to almost double, with the maximum limit for this age group being $4,018.
Finally, those who delay their payments until age 70 may qualify for a maximum of $5,108. This amount is reserved for a small group of beneficiaries, less than 1% of the total 70 million SSA users, and also requires having contributed for at least 25 years based on very high salaries.
The calculation formula considers the 35 years of highest income and adjustments for inflation, prioritizing those who contributed lower amounts. This SSA approach ensures that aid responds to individual financial needs, regardless of the date of application.
Where do I call if my benefits do not arrive on the expected date?
The SSA encourages beneficiaries to verify their bank accounts by the established dates and report any inconsistencies. Delays may occur due to weekends or holidays, although the entity automatically adjusts deposits to the previous business day.
Wait at least three business days to rule out any bank delays or delays outside SSA systems. If after that reasonable period the money still does not appear in your bank account, the telephone line is available at 1-800-772-1213, or you can visit local offices where officials will kindly help you.
