In the United States, millions of people depend on Social Security payments to cover their basic living costs. This federal program helps not only retirees, but also people with disabilities and families who have lost a loved one. These monthly payments allow many to afford rent, groceries, and medicines, especially those with limited income.
For many, receiving the Social Security check on time is crucial for their financial security. A delay in payment can disturb their entire budget. That’s why it’s important to know your payment schedule and understand which group you belong to.
As April 2025 continues, the last group of Social Security beneficiaries is about to receive their payment. Let’s take a look at who will receive the April 23 payment, and how you can make sure you’re getting the most from Social Security.
Who Will Get the April 23 Social Security Payment?
The Social Security Administration (SSA) has confirmed that the final payment of April 2025 will be sent on Tuesday, April 23. This payment is for Group 4 of beneficiaries.
To qualify for the April 23 check, you must meet both of the following conditions:
- You started receiving Social Security benefits after May 1997
- Your birthday falls between the 21st and 31st of any month
If both conditions apply to you, then you will receive your deposit on April 23. If not, you should have already received your April payment on an earlier date (either April 9 or April 16), depending on your date of birth.
Why It’s Important to Keep Your SSA Information Updated
To make sure your payment arrives on time, it’s very important that your personal and banking details are correct with the SSA. If there’s a mistake in your account number, address, or contact info, your payment might get delayed or even misrouted.
If you think there might be an issue or if you haven’t received your payment after three business days, you should:
- Call the SSA at 1-800-772-1213 (TTY 1-800-325-0778)
- Visit a local SSA office or check your Login.gov account
- Contact your bank to check if there’s a delay on their end
How to Maximize Your Social Security Payment
Many people often ask, “Am I getting the full amount I should be?” In 2025, the maximum monthly Social Security payment is $5,108. But this amount is only for people who meet specific conditions during their working life.
Here’s what you need to do to reach the highest benefit:
- 1. Delay your retirement until age 70 – Waiting longer to claim benefits increases your monthly payment.
- 2. Work for at least 35 years – The SSA calculates your benefits based on your 35 highest-earning years. If you worked fewer years, it lowers your average.
- 3. Earn a consistently high salary – Higher contributions mean higher benefits. If your salary was above the national average, your check will be larger.
These steps are not easy for everyone to follow, but even meeting two out of three can result in a better monthly benefit when you retire.
As April 2025 moves forward, thousands of Social Security recipients are still waiting for their payment, especially those in Group 4, who will receive it on April 23. This payment is essential for many to maintain their financial stability.
If you’re part of this group, make sure your details are updated with the SSA and monitor your account closely. And if you’re planning for retirement, consider how working longer, earning more, and delaying your retirement can increase your future benefits.
Being informed and prepared is the best way to make the most of your Social Security.
