Social Security recipients who were born between the first and tenth of any given month will get their payment for that month on Wednesday, May 14, 2025.
The Social Security Administration (SSA), which arranges payments based on the date of birth, includes this distribution, which is very typical.
Those who got benefits prior to May of that year were grouped on a different day (the third day of each month) because the May schedule is split into three Wednesdays. This arrangement has been in place since 1997.
Changes to Social Security: increases confirmed for 2025 and beyond
The day of birth is used by the SSA to calculate payments: 1 to 10 (May 14), 11 to 20 (May 21), and 21 to 31 (May 28).
By eliminating systemic congestion, which could result in delays and serious financial issues for recipients, this approach aims to disperse cash in an orderly fashion.
Although it is advised to confirm personal information on their “my Social Security” platform, those who did not specify their exact date could use May 14 as a guide.
The Social Security Fairness Act, which was signed into law in January 2025, increased the April amounts retroactively to February.
Regular payments that contain these modifications don’t result in extra dates. Although COLA 2025, which is set at 2.5%, aims to offset inflation, its effects differ based on claim age and work experience.
The maximum amounts you might get were revised by Social Security
For those who retire at age 70, the maximum Social Security income in 2025 will be $5,108 per month.
Having a high income during your working years and delaying the start of benefits until that age are prerequisites for reaching this amount.
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On the other hand, a person can only get $4,018 per month if they retire at full retirement age, which varies from 66 to 67 years old, depending on the year of birth. But in 2025, your maximum benefit would be $2,831 if you retired at age 62.
These payments account for 90% of the income of many seniors. Laws like the Fairness Act and the COLA rise aim to reduce the cost of living, but groups like AARP point out that there are still disparities, particularly in housing and health. Financial planning in advance is still essential.
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But the majority of retirees get far less. The Social Security Administration (SSA) estimates that the average monthly payment in 2025 will be $1,980.86, or almost $23,770 annually.
The federal agency in question needs three decades of high income, adjusted for inflation, and waiting until age 70 to apply in order to receive the full payout.
USA Today reports that less than 5 percent of recipients obtain the cap. Due to factors like years of employment, wages, and age at when they start receiving benefits, the majority receive smaller sums.
