The Social Security Administration (SSA) will be sending $5,108 checks in three days, according to the final round of benefit payments for May. Eligible recipients will receive their maximum payment of $5,108 deposited in their bank accounts on Wednesday, May 28, 2025. For many citizens in America, Social Security is a key source of financial support. Qualifying citizens will see their payments allocated according to the day of the month that they were born on.
How much can citizens expect to receive?
Social Security beneficiaries receive their monthly Social Security benefit payouts based on their lifetime earnings and the duration for how long they work. The age at which a citizen begins collecting their benefit makes a considerable difference in terms of the amount of Social Security benefits that a citizen will receive. The average monthly benefit in January 2025 was $1,976 as stipulated by the SSA.
To understand more in terms of the amount of Social Security benefits collected in 2025, this guide may help:
- $2,831 per month for citizens who claimed their benefits at an earlier age of 62.
- $4,018 for citizens who claimed their benefits at 67.
- $5,108 for citizens who retired at 70.
This is the maximum possible payment that citizens of those ages can receive, however, each beneficiary’s payment amount will differ. Furthermore, Social Security payment amounts get adjusted yearly as a result of the Cost-of-Living Adjustment (COLA), which takes into consideration inflation and rising consumer costs. The 2025 adjustment assisted retirees with the higher food, housing, and healthcare costs. The personalized estimate on the My Social Security account online can be used as a guide to determine how much Social Security benefit a citizen will receive for the year.
Who will qualify for the May 28 Payment?
As per the Social Security payment schedule, the month’s Social Security payouts are rather unique. According to the calendar, May 1 fell on a Thursday, moving each payment cycle slightly further in the month in comparison to usual. Some beneficiaries had a longer gap between their April and May benefits due to this shift. Those with birthdays later in the month had to wait slightly longer.
As per the payment schedule:
- May 28: Payment for citizens with birthdays between the 21st and 31st of the month
All previous May payments were issued up until the 21st for earlier birthdays; however, on May 28, the final payment distribution for May will go out to citizens who celebrate later birthdays. However, citizens receiving benefits based on their spouse’s work record would receive payments on the date that aligns with their spouse’s birth date.
Other citizens who will be excluded from the May 28 batch of payments are Social Security beneficiaries who started receiving their payments before May 1997. These beneficiaries have their own payment schedule and tend to be paid out by the 3rd of the month.
Citizens should avoid making these two Social Security mistakes this May, as they could cost them hundreds or thousands of dollars.
What if payment is not received on May 28?
All eligible citizens should receive their payments by the end of the day on May 28, 2025. However, the SSA suggests that citizens wait for three days before reaching out if payment does not reflect by May 28. The reason for the wait is that direct deposits often experience a delay when being paid out. Bank processing time may be the reason for a delay in payment.
Citizens need to ensure that all correct banking information has been updated and that any changes to a beneficiary’s address, account details, and the like have been updated with the SSA. Incorrect information may also cause a setback in terms of payment. Citizens must also note Social Security mistakes to avoid this year that could affect their monthly benefits.
With the cost of living on the rise, the May 28 Social Security payment offers millions somewhat of a relief. Citizens receiving the average Social Secuity benefit or even those eligible for the maximum Social Security payment of $5,108 will see this Social Security payout as somewhat of a financial lifeline.
