In April 2025, Social Security retirement payments will continue to follow the usual schedule, based on beneficiaries’ birth dates. The Social Security Administration (SSA) has used this system for many years to manage timely and smooth payments to millions of retirees across the United States.
This article explains when you’ll receive your retirement money, how much you can get depending on your retirement age, and what to do if your payment doesn’t arrive on time.
April 2025 Payment Dates Based on Birth Date
For most Social Security retirement beneficiaries, payment dates in April 2025 are organized by birthdays, and deposits are made on Wednesdays:
- April 9 – For those born between 1st and 10th of any month
- April 16 – For birthdays between 11th and 20th
- April 23 – For those born between 21st and 31st
This structure helps avoid delays and spreads out payment processing across the month.
Who Gets Paid on a Different Date?
Some people receive their payments earlier than the regular schedule:
- If you started getting Social Security before May 1997
- Or if you also receive Supplemental Security Income (SSI)
In these cases:
- Your retirement payment was made on April 3 (Thursday)
- Your SSI payment will arrive on May 1 (Thursday)
The next payment for early recipients with birthdays between the 1st and 10th will be deposited on May 14, 2025.
How Much Can You Receive in Retirement Benefits?
Your age at retirement affects how much Social Security money you’ll get every month. Here’s the breakdown:
- Retire at age 62: Max monthly benefit is $2,831
- Retire at age 67 (Full Retirement Age): Max is $4,018
- Retire at age 70: Max can reach $5,108
But only a small number of retirees qualify for the $5,108 payment. To receive this, you need:
- At least 25 years of high income
- Delayed retirement until age 70
Most retirees receive a lower amount, based on their 35 highest-earning years, with adjustments for inflation. This system is designed to support all retirees fairly, regardless of when they apply.
What to Do If You Don’t Receive Your Payment?
If your payment does not arrive on the expected date, here are the steps to follow:
- Check your bank account to confirm whether the money was deposited.
- Wait at least three business days, as delays can occur due to weekends, holidays, or bank processing.
- If still not received, contact SSA at 1-800-772-1213.
- You can also visit your local SSA office for help.
The SSA usually reschedules payments to the previous business day if the due date falls on a weekend or holiday.
The Social Security retirement payment system in the U.S. is well-organized and consistent. In April 2025, retirees will receive their money based on their birth dates—on April 9, 16, or 23—with early recipients getting paid on April 3. The maximum benefit you can get depends on the age you retire and your income history.
If your payment is late, check your account, wait a few days, and contact the SSA if needed. Social Security plays a vital role in supporting over 70 million Americans, and knowing how it works helps ensure you get the benefits you deserve, on time.