The Social Security Administration (SSA) pays retirement, survivor and disability benefits to around 70 million Americans. Payments are sent out on a monthly basis, and are distributed on different dates throughout the month, according to the recipient’s retirement year and birth date.
Retirees belonging to Group 3 will receive their monthly Social Security payment on April 16, 2025. Those in Group 4 will receive it on April 23.
It is important to note that the payment schedule for the year is already set and doesn’t usually experience any adjustments, so whether you receive your Social Security payment on the 16th or the 23rd will depend on which group you’ve been assigned.
Who’s eligible to receive their Social Security payment on April 16?
On April 16, 2025, beneficiaries from Group 3 will receive their Social Security payment. To find out if you belong to Group 3, you need to check if you meet the following conditions:
- Retirement date. Your retirement must have been approved later than May 1997
- Birthdate. Your date of birth must fall between the 11th and the 20th of any given month
If you don’t meet these conditions, don’t worry. That means you belong to Group 4 and will receive your Social Security payment on April 23, 2025.
Maximum pay amounts in April 2025
Social Security payment amounts differ broadly depending on the individual’s work history and contributions to the program. Most retirees do not reach the maximum payout but, in 2025, it can go as high as $5,108 a month.
However, the typical recipient will receive less than this amount – some retirees receive as little as $1,500, depending on their earning history.
Cost of Living Adjustment 2025 starting in April 2025
Starting this April, crucial Social Security changes come into effect, affecting beneficiaries. One of the most anticipated changes is the 2.5% Cost Of Living Adjustment (COLA), which represents an increase in monthly payments. Although this year’s adjustment is lower than COLA 2024, which was 3.2% – and much lower than COLA 2023, which was a record 8.7% -, it means an improvement in beneficiaries purchase power in the face of inflation.
Maximum monthly payments for retirees will see an increase starting April. The maximum amount depends on their retirement age:
Retirement at 62
- 2024: $2,710
- 2025: $2,831
Full retirement age
- 2024: $3,822
- 2025: $4,018
Retirement at 70
- 2024: $4,873
- 2025: $5,108
Social Security payment increase after new law
Retirees and other beneficiaries will see a boost in their Social Security payments following the repeal of two provisions that previously reduced payments for those receiving state or local government pensions.
The Social Security Administration (SSA) issued affected retirees a one-time retroactive payment at the end of March, with higher payments starting in April.
This change comes into effect after the Social Security Fairness Act was signed into law by former U.S. President Joe Biden earlier this year. The law repealed two policies that limited benefits for those receiving other retirement payments.
Changes to Social Security overpayments
The Social Security Administration (SSA) has also changed how it will recoup overpayments. Starting end of March, people who are overpaid will now be placed in full recovery at a rate of 100% of their Social Security payment.
Under the Biden administration, only 10% of monthly payments had been sought to help reduce financial hardship on overpaid recipients.
Social Security in-person requirement
Beginning April 14, the Social Security Administration (SSA) is implementing stricter identity verification procedures to prevent fraud. The SSA announced that recipients who want to change their direct deposit will no longer be able to verify their identity over the phone, but will need to do it through the SSA online services or visit an office.
