The Social Security Administration (SSA) has confirmed that in 2025, retirees born between the 21st and 31st of any month may receive monthly payments of up to $5,180.
While this represents the maximum possible Social Security benefit, only those with specific income and claiming conditions qualify.
Here’s a full breakdown of eligibility, payment dates, and ways to maximize your benefits.
Who Qualifies for the Maximum $5,180 Benefit?
To be eligible for the maximum monthly Social Security benefit in 2025, a retiree must:
- Earn the maximum taxable income ($176,100 in 2025) for at least 35 years
- Delay claiming benefits until age 70
- Have a strong earnings record verified through the SSA
Most retirees will receive far less than the maximum. As of 2025, the average monthly Social Security benefit for all retired workers is approximately $1,976.
Monthly Payment Schedule Based on Birth Date
The SSA pays benefits on a schedule determined by your birthdate. If you were born between the 21st and 31st, your payment arrives on the fourth Wednesday of each month.
Social Security Payment Dates 2025 for 21st–31st Birthdays
| Month | Payment Date (Fourth Wednesday) |
|---|---|
| January | January 22, 2025 |
| February | February 26, 2025 |
| March | March 26, 2025 |
| April | April 23, 2025 |
| May | May 28, 2025 |
| June | June 25, 2025 |
| July | July 23, 2025 |
| August | August 27, 2025 |
| September | September 24, 2025 |
| October | October 22, 2025 |
| November | November 26, 2025 |
| December | December 24, 2025 |
Note: This schedule applies to those who began receiving benefits after May 1997.
How Social Security Benefits Are Calculated
Social Security benefits are calculated using your:
- Average Indexed Monthly Earnings (AIME) over your highest 35 earning years
- Age when you start collecting benefits
- Annual COLA (Cost-of-Living Adjustment)
The COLA for 2025 is expected to remain around 3.2%, helping retirees keep pace with inflation.
Tips to Maximize Your Monthly Benefit
Boost your Social Security benefit with these proven strategies:
- Work at least 35 years – Avoid zeros in your earnings record.
- Delay benefits until age 70 – You earn 8% more per year past full retirement age.
- Earn the maximum taxable income – Contribute at the highest levels allowed by the SSA.
- Regularly check your SSA statements – Catch errors and track your expected benefit.
Spousal and Survivor Benefits
If you’re married or a surviving spouse:
- You may receive spousal benefits of up to 50% of your partner’s full benefit.
- Survivor benefits may offer up to 100% of your spouse’s benefit.
Common Mistakes to Avoid
- Claiming too early: Reduces your benefit for life.
- Ignoring taxes: Up to 85% of your benefit may be taxable.
- Overlooking spousal benefits: Often forgotten, but can add thousands in annual income.
- Not reviewing SSA statements: Errors in your earnings can lower your benefit.
Retirees born between the 21st and 31st of any month should be on the lookout for their Social Security payment on the fourth Wednesday of each month in 2025.
While only a select few will receive the maximum $5,180, understanding the benefit calculation, payment schedule, and optimization tips can ensure you receive the highest benefit you’re entitled to.
With thoughtful planning and accurate records, your Social Security income can be a strong pillar of your retirement strategy.
FAQs
Who qualifies for the $5,180 monthly Social Security benefit?
Only those with a high earning record over 35 years and who delay benefits until age 70 qualify for this maximum.
What day do retirees born between the 21st and 31st get paid in 2025?
Their payments are scheduled for the fourth Wednesday of each month.
How can I increase my future Social Security benefits?
Work at least 35 years, delay claiming until 70, earn at the maximum taxable level, and monitor your earnings record through SSA.