Posted by Millions of Social Security recipients in the United States are set to receive their final April 2025 payment on Wednesday, April 23.
This wave of disbursements targets retirees, survivors, and disability beneficiaries who were born between the 21st and 31st of any month and began receiving benefits after May 1997.
This month’s payment reflects a 2.5% cost-of-living adjustment (COLA) added at the start of 2025 to help recipients keep pace with inflation, which currently stands at 2.8% nationwide.
Who Will Receive the April 23 Payment?
The Social Security Administration (SSA) pays benefits based on a scheduled calendar tied to birthdates. Here’s how the April payment schedule looks:
| Birthdate Range | Payment Date |
|---|---|
| 1st–10th | April 9, 2025 (Second Wed) |
| 11th–20th | April 16, 2025 (Third Wed) |
| 21st–31st | April 23, 2025 (Fourth Wed) |
| Before May 1997 | April 3, 2025 |
Recipients who receive Direct Deposit will have funds available on April 23, while paper checks may face slight postal delays. Note: The SSA plans to transition all check payments to digital format by September 30, 2025.
How Much Will You Receive on April 23?
The amount you receive depends on your earnings history, retirement age, and benefit type. Here’s a breakdown of average payment amounts:
| Retirement Age | Average Monthly Payment |
|---|---|
| Retired at 62 | $2,831 |
| Retired at 67+ | Up to $5,108 |
| Survivor/Disability | Varies based on benefit type |
These amounts are averages—your personal payment could differ based on your lifetime taxable income and when you began claiming benefits.
Why This Payment Matters
For many Americans, Social Security payments are not just supplemental income—they are a financial foundation. They often cover essentials such as:
- Rent or mortgage
- Groceries and utilities
- Medical and prescription costs
With more than 70 million Americans relying on these benefits, staying informed about payment schedules and amounts is critical for financial planning.
Ways to Increase Your Social Security Benefits
While the SSA uses a set formula to calculate benefits, there are strategies that can help you maximize your monthly payments:
1. Delay Claiming
Waiting to claim benefits until age 70 can increase your monthly check by up to 8% per year beyond full retirement age (typically 67).
2. Work Longer
Extending your career allows you to replace lower-earning years in the SSA’s 35-year calculation formula, potentially boosting your average earnings and resulting benefit.
3. Utilize Spousal Benefits
Married couples can strategize to increase household income. If one spouse earned significantly more, the other may receive a spousal benefit up to 50% of the higher earner’s amount.
What to Do if You Don’t Receive Your Payment
If your payment hasn’t arrived via Direct Deposit by April 24, or if you’re waiting on a paper check, the SSA recommends:
- Wait three business days before taking action.
- Then, contact the SSA at 1-800-772-1213.
You can also log into your mySocialSecurity account to view payment status and details.
The April 23 Social Security payment provides essential financial support for millions of Americans. With the latest 2.5% COLA increase, beneficiaries can expect slightly higher payments this year.
Knowing your payment date, understanding how amounts are calculated, and exploring ways to boost your benefits can ensure long-term financial stability during retirement.
FAQs
Who gets the April 23 Social Security payment?
Anyone born between the 21st and 31st of any month who began receiving benefits after May 1997 is scheduled to get paid on April 23.
How much will I receive on April 23?
Average benefits range from $2,831 to $5,108, depending on your retirement age and lifetime earnings.
What if I don’t get my payment on time?
Wait three business days, then call 1-800-772-1213 to report the delay or check your mySocialSecurity account online.