The Social Security Administration (SSA) will issue its next round of monthly payments on April 9.
This payment is part of the SSA’s staggered payment system, in which checks are distributed based on a person’s birth date and the date they began receiving benefits.
Who Will Get Paid on April 9?
This payment is for retirees who:
- We were born between the 1st and 10th of any month
- Started receiving benefits after May 1997
If both apply to you, you can expect your direct deposit or paper check to arrive on April 9.
How the SSA’s Monthly Payment Schedule Works?
If you began receiving Social Security after May 1997, your payment follows a three-part schedule each month:
- Second Wednesday – For those born between the 1st and 10th
- Third Wednesday – For those born between the 11th and 20th
- Fourth Wednesday – For those born between the 21st and 31st
The first round of payments for post-1997 retirees begins on April 9, which is the second Wednesday of the month.
If you began receiving benefits before May 1997, your payments are on a different schedule. Regardless of your birth date, you should expect to receive your check on the third of each month.
2.5% COLA Still Boosting 2025 Payments
Payments in 2025 include a 2.5% cost-of-living adjustment (COLA) that took effect in January 2025.
The COLA helps to offset inflation and rising prices for necessities such as food, housing, and healthcare.
Despite the fact that the adjustment was made at the beginning of the year, monthly payments remain higher than in 2024.
How Much Could You Receive?
Benefit amounts vary depending on your earnings history, retirement age, and claiming strategy. According to the Social Security Administration, the benefit amounts for 2025 are:
- Maximum benefit at age 62 – $2,831
- Maximum benefit at age 70 – $5,108
- Average monthly benefit – Around $1,976
Delaying benefits until age 70 increases your monthly payment, but personal circumstances often influence when you choose to retire.
What To Do If Your Payment Is Late?
Most Social Security payments arrive on time, particularly when sent via direct deposit. However, delays may occur due to holidays, bank issues, or outdated information.
If your payment does not arrive by April 9, the Social Security Administration recommends:
- Waiting three full business days before taking action
- Checking your My Social Security account for updates
- Contacting your bank to rule out any internal delays
- Call the SSA at 1-800-772-1213 if the issue continues
Most payment issues are quickly resolved without further action.
Other Social Security Changes for 2025
Along with the 2.5% COLA, other key updates for 2025 include:
- Higher taxable earnings cap – The maximum taxable earnings have increased to $176,100, meaning high earners will pay Social Security tax on more of their income.
- Full Retirement Age (FRA) increase – The FRA is now 67 for those born in 1960 or later, which is when you can receive your full earned benefit.
These changes are part of ongoing efforts to keep the Social Security program financially stable as life expectancy increases and the ratio of workers to retirees decreases.
Stay on Top of Your Benefits
The My Social Security portal is the best tool for managing your benefits. Through your account, you can:
- Verify upcoming payment dates
- View detailed benefit statements
- Update personal or banking information
Setting up direct deposit is the quickest and safest way to receive your monthly payment, reducing delays and ensuring you get paid on time.
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