The Social Security Administration (SSA) has announced the next round of retirement benefit payments for May 2025, with some retirees set to receive up to $5,108. While this maximum amount is reserved for high earners who delayed retirement, millions of other beneficiaries will also see their monthly payments hit their accounts soon. Here’s what you need to know if you’re expecting a payment this May — especially if it’s your first time.
Who Gets Paid and When in May 2025?
If you started receiving Social Security after May 1997 and are not on Supplemental Security Income (SSI), your payday is tied to your birth date. The SSA divides these payments into three groups:
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May 14 – Payment for those born between the 1st and 10th
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May 21 – Payment for those born between the 11th and 20th
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May 28 – Payment for those born between the 21st and 31st
If you’re new to retirement and wondering when the money will arrive, this birthday-based schedule is the easiest way to figure it out. Those receiving SSI benefits or who began receiving Social Security before May 1997 may follow a different schedule.
How Do You Qualify for the Maximum $5,108 Benefit?
The $5,108 monthly benefit is the top payment possible for retirees in 2025 — but few actually receive this amount. To qualify, you need to meet three strict criteria:
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Delay retirement until age 70
Filing at 70 maximizes your benefit by earning delayed retirement credits — a boost of up to 24% compared to claiming at full retirement age. -
Work for at least 35 years
The SSA uses your 35 highest-earning years to calculate your benefit. Fewer years will result in zeros being averaged into your record. -
Earn the taxable maximum for all 35 years
This means hitting or exceeding the maximum income subject to Social Security taxes each year — no small feat.
Most Americans won’t hit all three marks, but even partial fulfillment can result in substantial monthly benefits.
What’s the Average Retirement Benefit in 2025?
While $5,108 may sound appealing, the average Social Security retirement benefit is far more modest. As of the latest data:
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The average monthly retirement check is $1,997.
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Spouses and certain dependent children of retired workers may also receive benefits, depending on eligibility.
Even if you don’t qualify for the maximum, Social Security remains a critical source of income for millions of older adults.
Fun Fact: Who Was the First Person to Receive a Social Security Check?
In 1940, Ida May Fuller, a legal secretary from Vermont, became the first person to receive monthly Social Security benefits. Her first check was for $22.54 — and she went on to live until age 100, collecting over $22,000 in total benefits.
FAQs About May 2025 Social Security Payments
Q: I just retired in April 2025. When will I receive my first payment?
A: If you’re not on SSI and your claim was processed promptly, your first payment will follow the birthday-based schedule: May 14, 21, or 28, depending on your date of birth.
Q: Will I get the full $5,108 monthly payment?
A: Only if you meet all the requirements — retiring at 70, working 35 years, and earning the taxable max each year. Most retirees receive closer to $2,000 per month.
Q: What if my birthday falls on the 10th or 20th — which week do I fall into?
A: The SSA includes the 10th in the May 14 payment group and the 20th in the May 21 group.
Q: Will there be any increase in my payment this year?
A: The Cost-of-Living Adjustment (COLA) is applied every January. Your May 2025 payment already reflects the most recent COLA adjustment from January 2025.
Q: Can I still receive my payment if I’m traveling or living abroad?
A: Yes, Social Security payments can be sent internationally to many countries, though there are exceptions. Check with SSA if you’re living outside the U.S.
Final Thoughts
Whether you’re a new retiree or a longtime recipient, understanding the Social Security payment schedule and eligibility rules is key to effective retirement planning. While few qualify for the $5,108 monthly maximum, even the average benefit provides vital support for everyday living expenses. Make sure your information is up-to-date with the SSA and check your “My Social Security” account regularly for updates.
Travis Head is the author and founder of CharlesCountyFoodConnection.org, a trusted source for Social Security updates, stimulus check news, UK DWP and Universal Credit insights, and rare coin guides. With a passion for helping readers stay informed on financial matters and government benefits, Travis delivers timely, accurate information to empower individuals and families in the U.S. and UK.