The third round of Social Security payments for the month of January is the final one for retirees (the date is shared with SSDI disability benefit recipients).
Some retirees who meet three basic requirements may receive up to $5,108 this month, the maximum amount approved by the Social Security Administration (SSA) following the application of this year’s 2.5% cost of living increase (COLA).
However, it is worth noting that beneficiaries are divided into three categories: those who pay between the 1st and 10th of each month receive their payments on the second Wednesday; those who pay between the 11th and 20th receive their deposits or paper checks on the third Wednesday; and those who pay between the 21st and 31st of any month receive their payments on the fourth Wednesday.
The last Social Security payment of the month is about to arrive
As previously stated, the second Wednesday, January 8, was the payment date for the first group’s beneficiaries, while the second group received payment on January 15.
The third group is now awaiting their payments, and they are already nervous because the money will arrive in their bank accounts in a few days: Wednesday, January 22.
The amount beneficiaries receive from the program is determined by when they retire, how much they contribute to Social Security, and how many years they have contributed to the program.
Furthermore, payments are heavily influenced by the age at which beneficiaries choose to retire. According to the Social Security Administration, retiring at the age of 62 can provide up to $2,831 per month, while delaying retirement until age 70 can result in a monthly income of up to $5,108.
To be eligible for the maximum Social Security benefit of $5,108 in 2025, individuals must meet certain criteria based on their earnings history and retirement age.

First, they must have worked and paid into the Social Security system for a sufficient number of years, typically 40 quarters (or 10 years).
Furthermore, those who choose to retire at the full retirement age, which is currently 67 for people born in 1960 or later, will receive the maximum benefit. If an individual chooses to retire at a younger age, such as 62, their monthly benefit amount will be reduced.
Furthermore, the amount received can be determined by a person’s earnings during their working years, with higher lifetime earnings typically resulting in a higher benefit calculation.
Now anticipating February payments: these are the dates
Social Security payments for the month of February 2025 are scheduled according to retirees’ birthdates. Beneficiaries born between the 1st and 10th of the month will receive their payments on February 12, the second Wednesday.
Deposits will be made on the third Wednesday of the month, February 19, for retirees born between the 11th and 20th. Finally, on the fourth Wednesday of February, retirees born on or after the 21st will receive their payments.
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