Getting Social Security benefits in the United States means you’ll receive a steady monthly income, which is a great help in retirement. But to keep getting this money—and maybe even increase it—you need to understand the requirements.
Small changes in rules or eligibility could affect the amount you get or even stop your payments altogether.
Whether you’re planning for retirement or already receiving checks, knowing the latest rules for April 2025 can help you avoid surprises and make better financial choices.
What Are the Requirements for Social Security Retirement in April 2025?
If you’re looking to start collecting retirement benefits from Social Security in April 2025, there are two main requirements you must meet:
| Requirement | Details |
|---|---|
| Age | Must be at least 62 years old |
| Work history | Must have worked for at least 10 years |
You don’t need to work 10 years in a row—non-consecutive years count too. But keep in mind, the age to qualify for full benefits (Full Retirement Age or FRA) is 67 for people born in 1960 or later.
If you retire at 62, you can still get benefits, but the monthly check will be much smaller than if you wait until 67 or even 70.
How to Get the Maximum Social Security Payment in 2025
While many retirees receive around $1,976 per month on average, the maximum possible benefit in 2025 is much higher:
- Up to $5,180 per month for those who qualify.
But to receive this full amount, you need to plan ahead and meet all the ideal conditions:
- Work for at least 35 years
- Earn a high income during those years
- Delay retirement until age 70
The Social Security Administration uses your highest 35 years of earnings to calculate your benefit. So if you worked fewer than 35 years, they’ll count zero-income years in the average, which brings your check down.
Also, remember: waiting longer to retire gives you bigger checks. Retiring at 70 instead of 62 can increase your monthly payment by up to 76% more.
Can You Get an Extra Social Security Check?
Yes, in some situations, you may qualify for a second check in the same month. For example, if you qualify for both Social Security retirement and SSI (Supplemental Security Income), and meet the required conditions, you could receive two different checks in the same week.
This usually applies to those who:
- Receive SSI (paid on the 1st of each month), and
- Started receiving Social Security before May 1997 (paid on the 3rd of each month)
Not everyone qualifies for this, but it’s worth checking your status, especially if you have limited income or receive multiple benefits.
Tips for Maximizing Your Social Security in Retirement
To make the most of your Social Security in retirement:
- Work longer if you can, aiming for 35 years or more
- Try to earn more, especially in your later working years
- Delay retirement until age 70 if you want the maximum check
- Keep your Social Security info up to date through the My Social Security portal
With proper planning, your Social Security income can be a reliable part of your retirement plan.