In April 2025, Social Security retirement beneficiaries will receive their payments according to a schedule based on their birthdate. This system, followed by the Social Security Administration (SSA) for many years, ensures that payments are distributed in an organized manner. The payments will be made on Wednesdays in April: April 9, 16, and 23.
When Will You Get Your Social Security Payment in April 2025?
The SSA distributes payments based on your birthdate, with each group receiving their benefit on a specific Wednesday in the month:
- April 9: Beneficiaries born between the 1st and 10th of the month.
- April 16: Beneficiaries born between the 11th and 20th of the month.
- April 23: Beneficiaries born between the 21st and 31st of the month.
This scheduling ensures that Social Security payments are processed efficiently and consistently. It has been in place for many years to avoid congestion and delays in the payment system.
Special Cases: When Payments May Be Delayed
There are exceptions for beneficiaries who received Social Security before May 1997 or who also receive Supplemental Security Income (SSI). In these cases, their April payment was made earlier on April 3, which was a Thursday. For SSI recipients, the next deposit will occur on May 1, the first business day of the month.
After the April 3 payment, beneficiaries born between the 1st and 10th of the month will receive their next payment on May 14 (the second Wednesday of the month).
How Much Will You Receive?
The amount of your Social Security retirement payment depends on when you start claiming your benefits and how long you’ve worked. Here’s a breakdown:
- At age 62 (the earliest age allowed for retirement), the maximum benefit you can receive is $2,831 per month.
- If you wait until your Full Retirement Age (FRA), which is 67, your maximum payment could rise to $4,018.
- If you choose to delay your benefits until age 70, you may qualify for a maximum payment of $5,108. This is reserved for a small percentage of beneficiaries who have contributed to the system for at least 25 years with high earnings.
The SSA calculates these benefits based on the 35 highest-earning years of your work life, and adjusts for inflation. Those with lower lifetime earnings are prioritized in the calculation to ensure benefits are distributed fairly.
What to Do If Your Social Security Payment Is Late
If your payment doesn’t arrive on the expected date, the SSA recommends that you check your bank account to ensure the payment hasn’t been processed yet. If it still doesn’t show up, here’s what you should do:
- Wait at least three business days: Delays can occur due to weekends or holidays, and the SSA adjusts deposits to the previous business day when necessary.
- If your payment still hasn’t arrived, you can contact the SSA by calling 1-800-772-1213 for assistance.
- Alternatively, you can visit a local SSA office, where officials will help you resolve the issue.