In the United States, millions of people rely on Social Security as their main or only source of income. This monthly payment isn’t just for retirees—it also supports people with disabilities and families who’ve lost a loved one.
For many households, this income is crucial for covering basic needs like food, rent, and medicines. That’s why knowing when the next payment is coming is more than just useful—it’s necessary for peace of mind.
As April 2025 continues, the final group of retirees is set to receive their monthly Social Security check. If you haven’t gotten yours yet, it might be coming soon.
Let’s break down who gets paid on April 23, what to do if you’re still waiting, and how to get the highest possible Social Security payment in the future.
Who Gets the April 23, 2025 Social Security Payment?
The Social Security Administration (SSA) follows a fixed payment schedule based on two key factors: your birthday and when you started receiving benefits. The next scheduled payment will be made on Tuesday, April 23, 2025, and it is only for Group 4 beneficiaries.
You belong to Group 4 if:
- You started receiving Social Security benefits after May 1997
- Your birthday falls between the 21st and 31st of any month
If both conditions apply to you, your check will be sent on April 23. If not, your payment would have already been deposited earlier in the month based on your group.
Here’s how the other groups received their payments in April 2025:
- Group 1: Paid on April 3 (for those who started before May 1997)
- Group 2: Paid on April 9 (birthdays 1st–10th, started after May 1997)
- Group 3: Paid on April 16 (birthdays 11th–20th, started after May 1997)
So, if you’re in Group 4, don’t worry—your check is on the way this week.
What You Should Do Before the Payment Date
Even if you’re scheduled to be paid, there are a few things to check to make sure your money arrives without issues:
- Update your personal information: Make sure your name, address, and date of birth are correct in the SSA system.
- Verify your bank details: If your direct deposit info is outdated, your payment might be delayed.
- Log into your My Social Security account: You can track upcoming payments and see your full payment history.
If your payment doesn’t arrive by three business days after the due date, it’s best to contact the SSA customer service or visit a local office.
How to Maximize Your Social Security Payments
Each person’s monthly check is different. It depends on how long you worked, how much you earned, and when you started collecting benefits. But did you know there’s a way to get the maximum Social Security payment?
As of 2025, the maximum monthly check is $5,108. Here’s what you need to do to reach that amount:
1. Delay your retirement until age 70
Starting early at 62 lowers your monthly check. But if you wait until age 70, you get the highest possible amount thanks to delayed retirement credits.
2. Work for at least 35 years
The SSA calculates your benefit based on your highest 35 years of earnings. Fewer years mean lower averages and smaller checks.
3. Earn a high salary during those years
Higher wages mean higher contributions, which lead to higher benefits. If you’ve had a consistently strong income over the years, you’re more likely to reach the upper end of the benefit scale.
While not everyone can meet all three conditions, doing even one or two of them can still increase your monthly check.