Many people in the United States are looking forward to getting their Social Security retirement checks, especially as May 2025 approaches. While millions already receive this money every month, many others are still waiting—or don’t even know if they qualify.
It’s a common belief that just working for a few years and paying into the system is enough to guarantee a monthly check. But that’s not always true. The Social Security Administration (SSA) has clear rules, and if you don’t meet all of them, you won’t get any payment.
So, if you’re wondering whether you’ll get a check this May, it’s time to carefully check the rules and make sure you’re truly eligible.
Social Security Requirements for a May 2025 Retirement Check
To receive your Social Security retirement payment in May 2025, you must meet all three of these main requirements:
1. You Must Have Worked for at Least 10 Years
This means earning 40 work credits, which usually equals 10 years of work in a job where you paid Social Security taxes. If you haven’t worked long enough, you’ll need to continue working in a qualifying job until you reach that number.
2. You Must Be at Least 62 Years Old
You can start getting Social Security from age 62, but you’ll receive a reduced monthly amount. To get your full benefit, you need to wait until your full retirement age, which is between 66 and 67, depending on the year you were born.
3. You Must Apply for Benefits
Even if you meet the age and work requirements, you won’t get paid unless you apply. Social Security benefits are not automatic. You must apply online at the SSA website, by phone, or by visiting a local SSA office.
If all these conditions are met, your check will arrive in May on the date that matches your payment group. If you’re already receiving Social Security, your payment date will stay the same.
What to Do If You’re Not Eligible Yet
If you don’t meet one or more of the requirements, don’t worry—there are steps you can take:
Not Enough Work Credits?
If you don’t have the required 40 credits, the only option is to keep working in jobs that pay into Social Security. There is no way around this rule.
Not Old Enough Yet?
You can choose to retire early at 62, though your monthly check will be smaller. If you wait until your full retirement age, you’ll get your full benefit. And if you delay your retirement beyond that age, you can receive a higher monthly payment thanks to the delayed retirement bonus.
Haven’t Applied Yet?
If you already qualify but haven’t applied, you can start the process now. Don’t lose out on months of money just because you haven’t filled out the paperwork. Applying is easy online, and help is available over the phone or in person if needed.