As April 2025 comes to a close, Social Security beneficiaries in the U.S. are reminded to check the official payment schedule carefully. Knowing when your retirement check will be sent is important for planning your monthly finances — especially for those relying on Social Security income.
While receiving these benefits definitely makes life easier for millions of Americans, not everyone gets paid at the same time. Your birthdate and the date you started receiving benefits determine when you will get your payment.
Understanding the Social Security Payment Groups
The Social Security Administration (SSA) splits retirement beneficiaries into four groups, based on:
- Date of birth
- When you started receiving retirement benefits (before or after May 1997)
The last payment of the month goes to Group 4, and if you’re in this group, you’ll receive your check on April 23, 2025.
Who Is in Group 4?
To be part of Group 4 and receive your Social Security check on April 23, 2025, you must meet two conditions:
- Your birthday falls between the 21st and 31st of any month
- You applied for retirement benefits after May 1997
If both conditions apply to you, you’re eligible for the final Social Security payment in April.
After April 23, there will be no more Social Security payments for the month, so if you’re not part of Group 4, you’ve likely already received your payment earlier in April.
Why Payment Dates Matter
Many people misunderstand the system, thinking their payment is based on the day they receive the money. But it’s actually based on the day the SSA sends the money out — when you get the funds may depend on your bank, mail delays, or if your information is up to date.
This is why it’s essential to stay informed and prepared.
How to Get Your Social Security Payment Faster
To make sure you receive your Social Security payment as quickly as possible, follow these tips:
1. Activate Direct Deposit
This is the fastest and safest way to receive your Social Security checks. With Direct Deposit, funds usually reach your account on the same day the SSA sends them.
2. Keep Your Information Updated
Life changes such as:
- Change of address
- Change in marital status
- New bank account details
must be reported immediately to the Social Security Administration. Any delay in updating your information could delay your benefits.
3. Track the Payment Schedule Monthly
Keep an eye on the official Social Security calendar every month so you always know when to expect your money. This helps with budgeting and planning, especially if you have regular bills or expenses.