If you are one of those who is eagerly awaiting Social Security deposits, March 2025 brings good news. The Social Security Administration (SSA) now has everything it needs to distribute the money.
Were you born between one and ten? On March 12, you will receive the deposit as monthly cash. If your birthday falls between the 11th and the 20th, write down the 19th, and from the 21st to the 31st, the 26th.
You’re probably wondering how much you could receive. The average is around $1,850, which is reasonable for 2025, but there is one figure that sounds like a dream: $5,108 per month.
Yes, it is real, but not for everyone. The majority (94%) do not reach that figure, so don’t be concerned if it doesn’t affect you. The important thing is that you have everything you need for a comfortable and unhurried old age.
Social Security’s $5,108 club: how to get in without magic tricks?
Achieving the maximum amount is not a matter of luck. Being a member of this exclusive group requires three keys.
First, you need 35 years of high salaries: in 2025, we’re talking at least $176,100 per year for three and a half decades. If you’ve ever earned less, the maximum may be out of reach for you. Second, be patient: delaying retirement until age 70 earns you an extra 24%. Third, this year’s 2.5% COLA adjustment benefits you from inflation.
There are no shortcuts, but it’s not impossible. If you want to know how you’re doing, the SSA.gov/estimator tool can help. There, you can calculate how much you will have if you retire at age 67 or work until age 75.
Also, review your 40 credits and correct any errors in your work history. A misrecorded year can be counted as zero, which hurts the final result.
SSI payments: an important fact for March
If you receive Supplemental Security Income (SSI), please take note that there will be no deposit in March. But don’t worry; they’re not taking anything from you. Because March 1st is a Saturday, the SSA moves the payment to February 28th. So the money arrives faster, and you don’t lose a dime.
This program is essential for those who require financial assistance, such as older adults or people with disabilities.
SSI is calculated based on your current situation rather than your work history. The maximum amounts in 2025 are $967 for individuals, $1,450 for couples, and $484 for essential people, such as caregivers.
Be cautious, as this can decrease if you have additional income or live with someone else. Some states, such as California, charge extra, so check your local rules.