For the future retiree (or curious financial person who is already enjoying his retirement), we will reveal the Social Security news for February 2025 in a way that everyone can understand. First and foremost, your money will arrive on the second or third Wednesday of each month (between the 19th and 26th).
What is it dependent on? Whether you are a team member seeking retirement, disability, or survivor benefits. What is the amount? Things vary there: years worked + contributions equals your personalized figure.
February comes with a double dose of cash for some Social Security recipients
The first payment for the month of February was already sent on Wednesday, February 12th, to beneficiaries who comply between the first and tenth of any month.
The payment will be made on Wednesday the 19th for those who celebrate their birthday between the 11th and the 20th of any month, and on February 26th for everyone else.
Here’s the plot twist: March steals one day from February. It sounds strange, but it’s not as strange as it seems. Since March 1st is a weekend, the SSI (Supplemental Security Income) payment will be made on February 28th.
Those who receive both benefits will make two deposits in a single month. Not bad to begin the year with a happy pocket, eh?
Let’s talk about maximum limits. Can you imagine receiving $5,108 monthly?
It is possible, but you must work hard: 35 years of contributions (or 10 full years of work, earning 20 work credits). As? Each $1,810 you earn in 2025 earns you one credit, up to four per year. Yes, it’s a marathon, but the payoff is substantial.
What if you already have 35 years of work experience? The other requirement is to delay retirement until you reach the age of 70, which can increase your monthly payment by up to 32%. Think of it as your pension’s “turbo mode.” Is it worthwhile? If you want to reach 90 with margaritas on the beach, go for it!
But be careful; this is not for everyone. If your health or financial situation cannot wait, it is preferable to claim benefits at full age (67 for the majority). The key is finding a balance between time and need.
To simulate scenarios, use the SSA calculator available on their website. However, keep in mind that claiming benefits before age 70, 67, or even 62 (the minimum age allowed) significantly reduces the size of your Social Security check.
