Getting monthly payments through United States Social Security can be a big relief for many retired people. However, it’s important to know that rules and requirements may change over time. These changes can affect how much money you get — or if you can get any money at all.
That’s why it’s so important to stay updated with the latest Social Security rules. Sometimes, if you meet certain extra conditions, you may even be eligible for an additional check.
Let’s take a look at what’s required to start collecting Social Security retirement benefits in April 2025.
Key Social Security Requirements in April 2025
If you want to start receiving retirement benefits from Social Security in April 2025, you must meet two main conditions:
| Requirement | Details |
|---|---|
| Age Requirement | You must be at least 62 years old |
| Work Requirement | You must have worked for at least 10 years (not necessarily in a row) |
Even if you didn’t work for 10 straight years, your time working at different jobs or during different periods will count.
Also, note that the exact minimum retirement age can vary depending on your birth year, but 62 is generally the earliest age you can start getting benefits. Keep in mind: starting at 62 means you’ll get a lower monthly payment compared to waiting until a later age.
How to Maximize Your Social Security Payments
If you meet the basic requirements, you will start receiving payments — but the amount may not be very high. That’s why it’s a good idea to try to increase your monthly Social Security check, especially if you want a comfortable retirement.
Here are some tips to get the highest benefit possible:
1. Delay Your Retirement Until Age 70
If you wait until age 70 to start collecting your Social Security payments, you can receive the maximum possible monthly amount.
2. Work for at Least 35 Years
Social Security payments are calculated based on your highest-earning 35 years of work. If you work less than that, your payment may be lower.
3. Earn a High Salary During Those Years
The more money you earn during your working years (up to the taxable limit), the higher your Social Security benefits will be.
What Is the Maximum Social Security Payment in 2025?
In 2025, the maximum monthly Social Security retirement payment can be up to $5,180. However, very few people receive this amount.
To reach this amount, you must:
- Delay retirement until age 70
- Have worked for 35 years
- Earned a high income during those years
Planning early and making smart financial decisions during your career can help you get closer to this figure.