Millions of retirees in the United States rely on Social Security payments every month. April has been a busy month for the Social Security Administration, with payments already made on the 10th and 17th. However, there’s still one more group left to receive their money this month — and for some, it could be over $4,000.
This final payment is highly awaited by many. It not only brings financial relief but also closes the Social Security payment cycle for April. While the exact amount depends on individual circumstances, those who have planned well for retirement may receive a large amount in their account.
Who Will Get the April 23 Social Security Payment?
The Social Security payment scheduled for April 23 is not for everyone. It is meant only for a specific group of retirees known as Group 4 retirees. You qualify for this group if:
- You started receiving Social Security after May 1997
- Your birthday falls between the 21st and the 31st of any month
If you meet both of these conditions, then the money will be deposited into your bank account or payment card on April 23. There’s no need to fill out any form — the payment is automatic.
The amount you receive is based on three main factors: how many years you worked, how much you earned during your working life, and the age at which you retired.
How Much Can You Receive?
Not everyone receives the same amount in Social Security benefits. Some people get a few hundred dollars, while others can receive more than $4,000 per month. The highest possible monthly payment in 2025 is $5,108, but only those who have met certain conditions will qualify for this.
The three key steps to increase your Social Security benefit are:
Work for at Least 35 Years
Your benefit amount is calculated using your 35 highest earning years. If you worked fewer years, your average will be lower, and so will your payment.
Earn a High, Consistent Income
The more you earn and contribute to Social Security, the more you can receive later. Keeping a stable and good income across your career helps increase your average yearly income, which raises your benefit.
Delay Retirement Until Age 70
If you wait until age 70 to start collecting your Social Security benefits, you can receive the maximum possible amount. Starting earlier, like at age 62 or 65, will lower your monthly payment.
Keep Your Information Updated
The Social Security Administration (SSA) advises everyone to keep their personal information updated. Mistakes in your records can delay your payments. It’s also smart to check your My Social Security account often to make sure your records are correct and up to date.
What Happens After April 23?
April 23 marks the last Social Security payment for this month. After that, a new round of payments will begin in May. If you want to make sure you don’t miss any payments, follow the official Social Security payment calendar and know which group you belong to.