Before April 2025 ends, some US citizens receiving Social Security may get a retirement payment—but only if they belong to a specific group. In the US, Social Security payments are not sent on the same day for everyone. Each person has a different pay date based on when they were born and when they started receiving benefits.
That’s why it’s important to know your payment schedule, especially if you depend on these benefits to manage your household expenses. If you are part of Group 3 retirees, you could be receiving your check on April 16, 2025.
Let’s understand who belongs to Group 3, how much you might get, and when to expect the payment.
Who Can Get the April 16 Social Security Check?
Only Group 3 retirees are eligible to receive a Social Security check on April 16, 2025. To be part of this group, you must meet two important conditions:
1. Your Birthday Falls Between the 11th and 20th of Any Month
Social Security divides retirees into different payment groups depending on their birth dates. If your birthday is between the 11th and 20th of any month, you fall into Group 3.
2. You Started Receiving Social Security After May 1997
If you began collecting Social Security after May 1997, and your birthday is within the required range, then you are fully eligible for the April 16 payment.
Fast Payment for Direct Deposit Users
If you use Direct Deposit, which is the fastest way to get Social Security benefits, the money will appear in your bank account on the same day—April 16. You won’t have to wait for a paper check in the mail.
If you don’t use Direct Deposit, don’t worry. Your payment will still arrive, but it may take up to three working days, usually arriving by Thursday or Friday of that week.
How Much Will You Get?
The Social Security retirement benefit amount depends on several factors—your work history, how much you contributed during your career, and the age at which you retired.
For those who waited until age 70 to retire and contributed the maximum amount during their working life, the maximum monthly benefit in 2025 is $5,108. However, not everyone qualifies for this amount. Most people will receive a lower amount based on their income and retirement age.
Still, for many retirees, even a smaller monthly check is their main source of income, which makes knowing the payment date very important for managing bills and daily expenses.
Why It’s Important to Know Your Payment Date
If you’re retired and living on Social Security, knowing exactly when your check will arrive helps you plan your budget. You’ll know when to pay your bills, buy groceries, or cover other needs without worrying about running out of money.
For those without other sources of income, Social Security payments are the lifeline that keeps everything running. Missing or delaying a payment—even by a few days—can cause real stress. That’s why it’s important to stay informed about the payment calendar and make sure you’ve activated Direct Deposit to avoid unnecessary delays.