Retirees, mark your calendars! The Social Security Administration (SSA) is set to send out direct deposits of up to $1,980 on April 9, 2025, to eligible beneficiaries.
If you’re aged 62 or 70, and your birthday falls between the 1st and 10th of any month, this payment could be yours. With the 2025 COLA increase now in effect, many retirees are seeing larger checks to help keep up with the rising cost of living.
Let’s break down everything you need to know—from payment dates to benefit amounts and how to make sure you don’t miss out.
Who Will Receive the $1,980 Payment on April 9?
The SSA issues monthly Social Security benefits based on your date of birth. Here’s how April’s schedule looks:
| Birth Date Range | April 2025 Payment Date |
|---|---|
| 1st – 10th | April 9, 2025 |
| 11th – 20th | April 16, 2025 |
| 21st – 31st | April 23, 2025 |
If you’re receiving benefits and your birthday falls between April 1 and April 10, expect your direct deposit to hit your account on Wednesday, April 9, 2025.
Why $1,980?
Thanks to the 2025 Cost-of-Living Adjustment (COLA), which increased benefits by 2.5%, the average monthly Social Security check for retired workers has climbed to around $1,980. However, this is an average—your exact amount may vary.
Factors that affect how much you receive include:
- Age when you started collecting benefits
- Lifetime earnings
- Work history
- Eligibility for spousal or survivor benefits
Here’s a look at how maximum benefits break down by claiming age:
| Claiming Age | Max Monthly Benefit (2025) |
|---|---|
| 62 (early retiree) | $2,831 |
| 67 (full retirement) | $4,018 |
| 70 (delayed credits) | $5,108 |
So, if you’re aged 62 and just started collecting, your payment may be lower than $1,980. But if you delayed benefits until age 70, your check could be significantly higher.
How to Make Sure You Receive Your Payment
To avoid delays and ensure your April 9 deposit arrives on time, follow these tips:
- Use direct deposit: This is the fastest and most secure way to receive your Social Security payments.
- Double-check your banking details: Make sure the SSA has your current account information.
- Check your ‘my Social Security’ account: This online portal lets you track payment status, benefit amount, and more.
- Report missing payments quickly: If your deposit doesn’t arrive within three business days of the expected date, contact the SSA right away.
With Social Security direct deposits reaching up to $1,980 in April 2025, retirees should be prepared for their payments, especially those aged 62 and 70 with early April birthdays. These benefits are essential for millions of Americans, and knowing your payment schedule ensures peace of mind and financial readiness.
Be sure your banking information is current, watch for your April 9 deposit, and enjoy the security your Social Security benefits are designed to provide.
FAQs
What if I started receiving Social Security before May 1997?
If you began receiving benefits before that date, your monthly payment is sent on the 3rd of each month, regardless of your birth date. You will receive your April 2025 payment on April 3.
Will everyone get exactly $1,980?
No, $1,980 is the average payment. The actual amount varies based on your earnings history and the age at which you filed for benefits.
Is there any action required to receive the April 9 payment?
If you’re already enrolled in Social Security and your birthdate falls between April 1–10, no action is required—your payment should be automatically deposited.