Social Security Payment: The Social Security Administration (SSA) is set to release the final round of April 2025 payments on Wednesday, April 23. This payment includes the 2.5% Cost-of-Living Adjustment (COLA) introduced in January 2025 to help beneficiaries manage rising costs amid 2.8% inflation nationwide.
who can Receive the April 23, 2025 Social Security Payment?
This round is designated for:
- Retirees, survivors, and SSDI (Social Security Disability Insurance) recipients
- Individuals who will receive benefits after May 1997
- Beneficiaries born between the 21st and 31st of any month
If you meet all three criteria, your April 2025 Social Security payment will be deposited on Wednesday, April 23, provided you’re enrolled in Direct Deposit. If you’re receiving a paper check, expect slight delivery delays due to postal service processing times.
how Much Will You Receive?
The exact payment amount depends on your earnings history and the age at which you choose to retire. Here are the average and maximum benefit figures after the 2.5% COLA:
- Average monthly benefit at age 62: $2,831
- Maximum monthly benefit at age 70: $5,108
These adjusted amounts aim to help recipients cover essential expenses such as housing, groceries, utilities, and medical costs.
Social Security Payment Schedule: Know Your Payday
The SSA uses a birth date-based schedule to distribute payments:
| Birthday Range | Payment Date |
|---|---|
| 1st–10th | Second Wednesday of the month |
| 11th–20th | Third Wednesday of the month |
| 21st–31st | Fourth Wednesday – April 23 |
Note: Individuals who began receiving benefits before May 1997 get paid on the 3rd of each month, regardless of birth date.
Direct Deposit vs. Paper Check: Key Differences
- Direct Deposit: Funds will be available on April 23 without delays.
- Paper Check: May take several extra business days to arrive by mail.
Important: The Social Security Administration (SSA) will discontinue paper checks by September 30, 2025. All beneficiaries will need to switch to electronic payments such as Direct Deposit or the Direct Express® Debit Mastercard®.
$967 Federal SSI Boost Checks Approved for 2025: check Who Qualifies & All Details
Canada Employment Insurance (EI) Reforms 2025: What You Need to Know
What to Do If You Haven’t Received Your Payment
If your payment hasn’t arrived within 3 business days, take action:
- Call the SSA at 1-800-772-1213
- Visit ssa.gov
Make sure your personal details, including your banking information and mailing address, are up to date.
3 Expert Tips to Maximize Your Social Security Benefits
Planning ahead can significantly increase your future monthly payments. Here’s how:
- Delay Claiming Benefits
- Postponing retirement beyond full retirement age (67) can increase your benefits by up to 8% annually until age 70.
- Extend Your Career
- Working longer replaces low-earning years in the SSA’s 35-year average calculation, boosting your benefit amount.
- Optimize Spousal Benefits
- Couples can coordinate their claiming strategy to maximize combined benefits, especially if one spouse had significantly higher earnings.
Tip: Waiting until age 70 to claim can result in up to 24% higher monthly benefits compared to claiming at 67.
FAQs: April 23, 2025 Social Security Payment
Who gets paid on April 23, 2025?
Beneficiaries born between the 21st and 31st who started receiving Social Security after May 1997.
What is the 2025 COLA?
Average: $2,831
Maximum (delayed retirement): $5,108
What is the 2025 COLA?
A 2.5% Cost-of-Living Adjustment to offset inflation.
When will paper checks stop?
All paper checks will be discontinued by September 30, 2025.
How do I report a missing payment?
Call 1-800-772-1213 or visit ssa.gov after 3 business days.
