In April 2025, eligible individuals turning 65 can expect to receive a $1,622 monthly Social Security payment. This amount reflects the 2.5% Cost-of-Living Adjustment (COLA) implemented in January 2025, aimed at helping beneficiaries keep pace with inflation and rising living costs.
Eligibility Criteria for the $1,622 Payment
To qualify for the $1,622 monthly Social Security benefit at age 65, individuals must meet the following requirements:
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Work Credits: Accumulated at least 40 work credits, typically equivalent to 10 years of work under Social Security-covered employment.
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Age: Reached age 65.
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Residency: Be a U.S. citizen or legal resident.
- It’s important to note that while the Full Retirement Age (FRA) for individuals born in 1960 or later is 67, those who choose to begin receiving benefits at age 65 will receive a reduced monthly amount compared to waiting until FRA .
Payment Schedule for April 2025
Social Security payments are issued on a staggered schedule based on the recipient’s birth date:
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Born 1st – 10th: Payment arrives on the 2nd Wednesday of the month.
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Born 11th – 20th: Payment arrives on the 3rd Wednesday of the month.
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Born 21st – 31st: Payment arrives on the 4th Wednesday of the month.
For example, if your birthday falls between the 1st and 10th of the month, your payment will be issued on the 2nd Wednesday of April 2025 .
How to Apply for Social Security Benefits
To apply for Social Security benefits:
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Create a my Social Security Account: Visit SSA.gov to set up an account.
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Gather Required Documents: Prepare necessary documents such as your birth certificate, Social Security card, W-2 forms, and proof of U.S. citizenship or lawful residency .
- Submit Your Application: Apply online through your my Social Security account, by phone at 1-800-772-1213, or in person at your local Social Security office.
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Wait for Processing: Applications typically take 6 to 12 weeks to process.
Maximizing Your Social Security Benefits
To enhance your Social Security benefits:
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Delay Claiming Benefits: Each year you delay claiming benefits past your FRA (up to age 70), your monthly payment increases by 8% annually.
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Work Longer: Social Security calculates benefits based on your 35 highest-earning years. Working longer can boost your average earnings and, consequently, your benefits.
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Review Your Earnings Record: Regularly check your earnings history to ensure accuracy and address any discrepancies promptly.
Important Considerations
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Tax Implications: Social Security benefits may be subject to federal income tax if your combined income exceeds certain thresholds.
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Medicare Premiums: If you’re enrolled in Medicare, premiums may be deducted from your Social Security payments.
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Identity Verification: Starting April 14, 2025, the Social Security Administration requires beneficiaries to verify their identity using SSA-approved digital tools or by visiting a field office. Failure to verify may result in payment delays or holds .
