Social Security is an important lifeline for millions of senior citizens in America, which gives them financial support every month. Now the first installment of April 2025 is ready to come, and the Social Security Administration (SSA) is going to release its first installment on April 9. If you are also a beneficiary under this scheme, then this information is very important for you.
Who will get payment on April 9?
For those who are taking retirement benefits under Social Security, SSA has created a fixed schedule. If you are among those beneficiaries who were born between the 1st and 10th of any month and you started taking Social Security benefits after May 1997, then you will get your next payment on April 9. This amount will be deposited in your bank account through direct deposit or sent by post in the form of a paper check.
How does SSA’s monthly payment schedule work?
For beneficiaries who have been receiving payments since May 1997, SSA has made arrangements for payment in three stages of the month:
- Second Wednesday (this time April 9): Birthdays between the 1st and 10th
- Third Wednesday: Birthdays between the 11th and 20th
- Fourth Wednesday: Birthdays between the 21st and 31st
This schedule has made the payment process systematic and more efficient so that there is not too much pressure on the system at once.
On the other hand, those who have been receiving benefits since May 1997 or earlier usually get payment on the 3rd of every month, regardless of their birthday.
Benefits increased by 2.5% COLA – more money will be available in 2025
From the beginning of 2025, a Cost-of-Living Adjustment (COLA) of 2.5% has been implemented in Social Security payments. This increase is made every year, keeping in view inflation so that the purchasing power of the beneficiaries remains intact and they can meet the cost of increasing needs such as food, rent and health care.
Even though this COLA was implemented in January, it will affect the payments of the whole year. That is, the installment of April will also be higher than the previous year.
How much will be received in 2025?
The amount of Social Security received by each person is different. It depends on how many years you worked, how much your income was, at what age you took retirement, etc.
According to the SSA, some possible figures in 2025 are as follows:
- Maximum benefit on retirement at the age of 62: $2,831 per month
- Maximum benefit on retirement at the age of 70: $5,108 per month
- Average monthly benefit: About $1,976
Those who have taken retirement late (such as at the age of 70) get a larger amount every month. But this decision depends on individual circumstances and needs.
What to do if your payment doesn’t arrive on time?
Although SSA sends most payments on time, especially if you use direct deposit, there may be some delays. This could be due to banking issues, holidays, or out-of-date information.
If your payment doesn’t arrive by April 9, SSA recommends the following:
- Wait at least three business days
- Check your payment status in your My Social Security account
- Contact your bank to check for internal delays
- If the problem persists, call SSA: 1-800-772-1213
In most cases, the problem is resolved quickly and you don’t have to go through the major process again.
Other important changes for 2025
Not just the COLA, there are several other changes to the Social Security system that take effect in 2025:
- The maximum taxable earnings limit has increased to $176,100. This means that people who earn more will now pay Social Security taxes on more of their income.
- The Full Retirement Age (FRA) is now 67, specifically for those born in 1960 or later. At this age, you are entitled to your full benefit.
All of these changes are steps toward keeping the Social Security program stable over the long term, especially as life expectancy increases and more people retire than work.
Keep track of your Social Security benefits
If you are a Social Security beneficiary, the My Social Security portal is an invaluable resource for you. Through this online account, you can:
- Check your next payment dates
- Check your benefit statements
- Update personal and banking information
- Register for direct deposit
Direct deposit is not only fast but also the most secure method, greatly reducing the chance of payment delays.
Conclusion
The first installment of Social Security’s April 2025 payment is going to be released on April 9. If you fall into the category of those who were born between the 1st and 10th of April and started receiving benefits after May 1997, this information is very important for you. Your amount will be slightly higher this year thanks to COLA, and you can take full control of your benefits through SSA’s digital tools.
Keeping your information up to date, switching to direct deposit and being aware of your rights — that’s the best way to get the most out of Social Security.
FAQs
Q. Who will receive their Social Security payment on April 9, 2025?
A. Retirees born between the 1st and 10th of any month and who began receiving benefits after May 1997 will be paid on April 9.
Q. How is the Social Security payment schedule determined?
A. Payments are made based on your birth date and when you started receiving benefits. If you started after May 1997, you’re paid on the 2nd, 3rd, or 4th Wednesday of each month.
Q. What is the 2025 Cost-of-Living Adjustment (COLA)?
A. A 2.5% COLA was applied in January 2025 to help beneficiaries keep up with inflation.
Q. How much can someone receive in Social Security benefits in 2025?
A. The maximum monthly benefit is $2,831 at age 62 and $5,108 at age 70. The average monthly benefit is around $1,976.
Q. What should I do if my payment is late?
A. Wait three business days, check your My Social Security account, contact your bank, and if needed, call the SSA at 1-800-772-1213.