For millions of retired people in the United States, Social Security payments are not just helpful—they are essential. These monthly deposits help cover basic needs like rent, groceries, and medicines. As April comes to an end, there’s still one more payment left to be made, and many are eagerly waiting for it.
The final Social Security payment for April 2025 is scheduled for April 23, and it could be a big one—more than $4,000 for some recipients. But this payment isn’t for everyone. Only certain people meet the conditions to receive it.
Who Gets the April 23 Social Security Check?
The April 23 payment is meant only for Group 4 retirees. You are part of this group if:
- You started receiving Social Security after May 1997
- Your birthday falls between the 21st and 31st of any month
If both conditions are met, your monthly benefit will be deposited directly into your bank account or card on Wednesday, April 23, 2025. There is no need for extra paperwork—everything is automatic if your information is up to date.
Those who started collecting benefits before May 1997 or were born in earlier parts of the month receive their payments earlier, on April 10 or April 17, depending on their birthdate.
How Much Can You Get?
The amount you receive depends on many things:
- How many years you worked
- How much you earned during those years
- At what age you applied for retirement
Some people may get only a few hundred dollars, while others—who carefully planned their retirement—may receive over $4,000 per month. In fact, the maximum possible Social Security benefit in 2025 is $5,108, but only a small number of people qualify for that.
How to Increase Your Social Security Benefit
Not everyone will get the maximum amount, but there are three main steps that can help you boost your Social Security check in the future:
1. Work for at Least 35 Years
Social Security calculates your benefit based on your 35 highest earning years. If you work less than 35 years, your average income is reduced, and so is your payment. So, the longer you work, the better.
2. Earn a High and Consistent Salary
The more you earn, the more you contribute to Social Security. If your income is high and steady over the years, your benefit will also be higher.
3. Delay Retirement Until Age 70
You can start receiving Social Security at age 62, but your monthly payment will be lower. If you wait until age 70, your benefit increases significantly—by up to 8% for each year you wait after full retirement age (which is 67 for most people). That’s how you reach the $5,108 monthly maximum.
Tips from the Social Security Administration
The SSA reminds everyone to keep their information up to date. Errors in your records—like wrong banking details or outdated personal information—can delay your payment.
It’s also helpful to check your My Social Security account online. You can review your status, benefit amount, and make changes if needed.
What Happens After April 23?
April 23 is the last Social Security payment date for this month. But a new round of payments will begin in May, following the same birthday-based schedule.
Staying informed and knowing your exact payment group helps ensure you don’t miss out on any money you’re entitled to.
