If you’ve been closely following your Social Security benefits, there is some good news awaiting you – you’ll receive $5,108 as a deposit directly to your bank account in no time if you meet the qualifications.
On May 14, 2025, a new payment will be received, and based on your birthday and payment category, you could be receiving the payment in this particular category of recipients.
Since Social Security continues to be a safety net for seniors, the survivors, and the disabled, today, more than ever, it is necessary to understand to whom payments are being sent and how much.
Who are they paying on May 14?
This second cycle of payment is included in the standard payment schedule of the Social Security Administration, which pays on a birth-date basis in order not to congest the system with a single large payment. It pays promptly and predictably and has been used for decades.
The May 14 Social Security check is not for everyone. It is for people with birthdays from the 11th through the 20th of the month, and people who began drawing their benefits in May. That would be retirement, disability, or survivor benefit recipients.
This group is paid on the second Wednesday of the month, and in May 2025, that will be the 14th. If you are in this group, then $5,108 will soon be deposited into your account, but only if you are on the high levels of benefits, and not many will be. For the overwhelming majority, their monthly payment will be less, depending on their earnings record, income, and the day they applied for benefits.
If you’re not sure in which pay group you fall, check the Social Security payment schedule, which lists precisely when you can expect your deposit based on your birth date and benefit status.
Discovering how to qualify for the maximum
$5,108 will be in your bank account only if you are a contender for the maximum Social Security retirement benefit. Not the average check size, as all imagine, but the highest amount anyone can receive based on current SSA rules.
$5,108 will be in your bank account if you meet these criteria and qualify:
- Have worked and contributed to Social Security for a minimum of 35 years.
- Waiting until age 70 to take retirement benefits.
If you started collecting early at 62, your paycheck is less. Even when applying at full retirement age (approximately 67), you will still not get the most if you do not qualify for the high-earner threshold on an annual basis as well. For the entire breakdown, check the SSA’s maximum Social Security payment FAQ page.
How the SSA calculates your paycheck
Social Security calculates your benefit from your highest 35 inflation-adjusted years of earnings. Inflation growth is included in the indexed calculation to pay long-term workers more. But if you have worked less than 35 years, zeros are averaged in and lower your monthly benefit.
This is what your benefit amount is:
- Working less than 35 years = lower average.
- Higher incomes each year = potentially higher benefit.
- Filing more than age 67 = smaller amount.
- Waiting beyond full retirement age = greater sum.
Regardless of whether or not you’re provided the entire $5,108 or prorated amounts, you are advised to log into your My Social Security account to look for deposit confirmation near payment dates. Keep your direct deposit information up to date and wait for your deposit to be posted through mid-morning on May 14, 2025. Your organization may pay the deposit somewhat earlier or later than this timeframe based on in-house procedures.
If your payment does not arrive within three business days, check with your bank first and then the SSA. It should not miss payments, but it’s always better to hurry to avoid overlooking monthly bill payments.
