In the United States, millions of people rely on Social Security payments to support their monthly expenses. April 2025 has been a busy month for many retirees who have already received their checks earlier in the month. But for one last group, the final payment is still on the way—and it could be more than $4,000 for some qualified individuals.
This upcoming payment on April 23 is highly awaited, not only because of the amount involved, but also because it marks the end of the April payment cycle. However, it’s important to know that this payment is not for everyone. Let’s find out who will receive it, and how some retirees qualify for large monthly benefits.
Who Will Receive the April 23 Social Security Payment?
The Social Security Administration (SSA) has confirmed that the final April payment will be made on Wednesday, April 23, 2025. This payment is strictly for Group 4 retirees, which includes people who:
- Started receiving Social Security after May 1997
- Were born between the 21st and 31st of any month
Both conditions must be met to receive your check on this date. If you’ve already received your April check earlier this month, you are in a different group and won’t receive anything more this month.
The payment will be directly deposited into your bank account or card, so you don’t need to do anything manually—just make sure your personal and banking information is correct to avoid delays.
How Much Will You Receive?
The amount each person receives varies based on several factors:
- Years of contributions to Social Security
- Salary level during working years
- Age at which retirement was claimed
Some people may get less than $2,000, while others—especially those who planned ahead—could receive more than $4,000.
How to Get More Than $4,000 a Month from Social Security
Getting over $4,000 per month from Social Security is not easy, but it’s possible if you take the right steps during your working life. Here’s how:
1. Work for at Least 35 Years
The SSA calculates your retirement benefit based on your 35 highest-earning years. If you worked fewer years, your average income drops and so does your benefit.
2. Earn a High, Consistent Income
The more you earn, the more you pay into Social Security. Over time, this means a higher monthly payment when you retire.
3. Delay Retirement Until Age 70
The longer you wait to retire (up to age 70), the bigger your monthly check. This is known as the delayed retirement credit. In 2025, the maximum monthly payment is $5,108, available only to those who met all the key conditions.
Planning early and making informed choices about when to retire can greatly increase your Social Security benefits.
What to Do to Avoid Payment Issues
The SSA strongly advises all beneficiaries to:
- Keep their personal information updated on the My Social Security portal
- Check their payment history regularly to make sure everything is correct
- Report any issues or changes immediately to avoid missed or delayed payments
These steps help ensure that your money arrives on time and without problems.
What Happens After April 23?
The April 23 payment will be the last Social Security deposit for the month, but a new round of payments begins in May. The SSA follows a monthly calendar with fixed payment dates based on your birthday and when you started receiving benefits.
Staying aware of your payment schedule helps you avoid confusion, manage your finances better, and never miss a payment you’re entitled to.
If you’re part of Group 4—that is, you started receiving benefits after May 1997 and your birthday falls between the 21st and 31st—then your April 2025 Social Security payment will arrive on April 23. This payment is important for many retirees, especially those who rely heavily on this monthly support.
And while most people receive a standard amount, those who’ve planned well can receive over $4,000 each month, with the maximum for 2025 set at $5,108. To reach that level, it takes years of high income, consistent work, and delayed retirement.
Always keep your SSA information updated and follow the payment schedule to ensure smooth and timely deposits each month.
