Did you realize that there are three critical dates in February for receiving your Social Security payment? Yes, the Social Security Administration (SSA) has already approved the contributions, so expect to see that small sum of money in your account.
And, blow by blow, individuals may receive up to $5,108 if they match the criteria. Do you want to know if you’re one of the lucky ones? Continue reading; I will tell you everything in this whole post.
The Social Security Administration (SSA) administers retirement, Supplemental Security Income (SSI), and disability (SSDI) benefit payments to both live recipients and surviving family members of deceased beneficiaries. They are held in phases every month, with each group having their own designated date.
When are the payment of Social Security retirements due?
Payments are set on Wednesdays, February 12, 19, and 26, with the day you receive depending on your birthday. Here’s a breakdown:
- If your birthday is between the 1st and 10th of any month, your payment will arrive on February 12.
- If your birthday is between the 11th and the 20th, it’s February 19.
- If you turn between the 21st and the 31st, your money will arrive on February 26.
Beneficiaries of the Supplemental Security Income (SSI) program have also been assigned dates, however this month they have changed. Normally, they are paid on the first of each month, but because February 1 happened on a Saturday, they were paid ahead of January 31.
So don’t worry if you don’t see a deposit in February; they’ve already given it to you. And keep in mind that because March 1st is a Saturday, the payment will be moved to February 28th. So the next payment will be made on April 1.
How to get the most out of Social Security?
Here comes the intriguing bit, because we must clarify that not everyone obtains the maximum amount of $5,108, but if you want to achieve that figure, there are some ways you need know.
Delay your retirement until age 70: If you retire before your Full Retirement Age (FRA), your payment will be less. But if you last until you’re 70, you’ll maximize your retirement a little more than if you retire earlier. This is the first of the steps to follow.
Have a high, consistent salary: The SSA calculates your pay based on your 35 highest-earning years. If you earned close to the taxable limit (which in 2025 will be about $168,600 a year), you have a better chance of reaching the maximum amount.
Accumulate 40 work credits: This is equivalent to 10 years of formal work. Without that, you don’t even qualify for benefits. But if you want the maximum, you need a longer career with a good income.
So, if you’re considering retiring soon, think twice. Delaying it a little could result in a significantly higher reward. And believe me, the difference between retiring before and beyond 70 is significant.
