Social Security retirement benefits in 2025 are distributed according to a schedule based on date of birth. Those who began receiving them before May 1997 receive their payment on the 3rd of each month. The rest are grouped into three monthly dates: second, third or fourth Wednesday, as has been done for many years, being a system to which we are accustomed.
Payments are made via direct deposit. If the scheduled date coincides with a weekend or holiday, they are brought forward to the previous business day. This system seeks to ensure that funds are available without delays, as established by the Social Security Administration (SSA).
One payment ready, two to go: Social Security calendar confirmed for April
On April 16, 2025, Social Security payments will be made for people born between the 11th and 20th of any month, while those born between the 21st and 31st will receive their deposit on April 23.
Prior to this, the first group of beneficiaries received their payment on Wednesday, April 9, and were those beneficiaries who have birthdays between the 1st and 10th of each month.
On the other hand, beneficiaries who began receiving payments before May 1997 will receive their next payment on May 3.
Regarding amounts, the average monthly benefit is $1,981, with an increase of 2.5% compared to the previous year. However, the final amount may vary depending on the age at which the benefit is requested and the tax history: those who apply at age 62 can receive around $2,831 per month, while those who wait until age 70 can get up to $5,108 per month.
Maximum Social Security benefits based on retirement age
The maximum monthly U.S. Social Security retirement amount for 2025 is $2,831 at age 62, $4,018 at full retirement age (FRA), and $5,108 at age 70, depending on retirement age. These amounts are for those who have been high earners during their career and meet specific requirements, such as 35 years of work with maximum taxable income.
The FRA varies depending on the year of birth: 66 years and 2 months for those born in 1955, increasing to 67 years for those born in 1960 or later.
The maximum amount depends on when the benefit is claimed:
- At age 62, the benefit is reduced for early retirement, with a maximum of $2,831 in 2025.
- For the FRA (67), you receive the full benefit, with a maximum of $4,018 in 2025.
- At age 70, it is maximized with late payment credits, reaching $5,108 in 2025.
If you have questions or queries, you can consult all the information related to your payments from your “My Social Security” account: there you can review your payment history, years owed, maximum amounts, what your FRA is, how much you could expect to receive when you retire, among other relevant information.