This Wednesday, April 16, 2025, some Americans are set to receive Social Security’s big payout of up to $5,108 in their monthly benefit check. However, not everyone qualifies to receive this amount. To be eligible for this big payout this Wednesday, you must meet several requirements.
Who is Set to Receive a Social Security Payment This Wednesday?
The Social Security Administration (SSA) disburses payments in a staggered schedule based on individuals’ birth dates. Here is the full payment schedule for April 2025:
- April 9: Recipients born between the 1st and 10th of the month.
- April 16: Recipients born between the 11th and 20th of the month.
- April 23: Recipients born between the 21st and 31st of the month.
According to this schedule, only recipients born between April 11 and April 20 will receive Social Security payments this Wednesday, April 16. These individuals are referred to as Group 3 beneficiaries by the Social Security Administration (SSA).
Who is Eligible for the Maximum Amount?
While all eligible individuals in Group 3 will receive payment on April 16, 2025, only a few will qualify for the maximum Social Security benefit of $5,108. To qualify for this amount, you must meet the criteria outlined below:
- You delayed payment until age 70.
The SSA increases benefits each year you delay collecting your retirement benefits past your full retirement age. Therefore, waiting until 70 earns you the biggest monthly check.
- You earned the maximum taxable income for at least 35 years.
The maximum taxable income is $168,600 as of 2025, and you would need to have hit this cap consistently during your working years.
- You worked for 35 full years.
Social Security calculates benefits based on your 35 highest-earning years. So, if you worked fewer years, you might receive lower amounts.
It is not easy to qualify for the maximum payout of $5,108, and only a select few who have met all three requirements will be eligible.
Additional Benefits You Might Receive
Although most recipients will not receive the maximum $5,108, here are other payments you might be eligible for.
- Retiring at age 67, which is the full retirement age, will earn you $4,018.
- Retiring early at age 62 will earn you a maximum benefit of $2,831.
Besides the retirement age, the actual amount an individual receives also depends on their earnings history, filing status, and tax contributions. You can check detailed estimates of what you are set to receive through your “My Social Security” account.
Who Gets Supplementary Security Income (SSI) and How Much?
Unlike Social Security retirement benefits, Supplementary Security Income (SSI) is for low-income retirees and individuals with disabilities. SSI payments are usually sent on the first of each month, and here are the amounts eligible beneficiaries receive:
- $967/month for individuals.
- $1,450/month for eligible couples.
- $484/month for essential persons.
Note that these amounts already reflect the 2.5% Cost of Living Adjustment (COLA) applied for 2025.
How to Check If You Are Eligible
To verify if you are eligible for Social Security’s big payout this Wednesday and if you qualify for the maximum amount of $5,108, follow these steps:
- Visit the SSA.gov and log in to your “My Social Security” account.
- Review your earnings record and estimated benefits.
- Check your full retirement age and see if you qualify for any delaying benefits.
- If you are a public sector worker, see if recent changes to WEP and GPO apply to you.
Conclusion
Social Security’s big payout this Wednesday will be a significant day for millions of Americans born between the 11th and 20th. While some will receive $2,800, a select few will receive the full $5,108, and this shows how essential it is to understand how your retirement decisions impact your benefit. With new anti-fraud measures being implemented, it is important that you double-check your eligibility and ensure you adhere to all new rules to avoid interruptions in receiving your payment.