In 12 days, the first group of retirees will receive their first Social Security payment of the month, which can total up to $5,108 for the highest-earning individuals who retire at age 70. Here’s everything you should know about the three rounds of Social Security benefits that will be distributed next month.
Beneficiaries’ Social Security benefits are determined by their retirement age, the amount they have paid into the program, and the number of years they have contributed.
February’s Social Security payment date is coming up
The beneficiary’s retirement age significantly affects payments. According to the Social Security Administration (SSA), deferring retirement until age 70 can result in a monthly benefit of up to $5,108, whereas retiring at the age of 62 allows for up to $2,831 per month.
Beneficiaries can use the SSA’s calculator to get a custom estimate of how much they can expect to receive each month. The following waves of Social Security payments are made in the weeks following the second Wednesday of each month.
Because the Social Security Administration must deliver more than 72 million payments per month, they established a monthly payment schedule to ensure that all beneficiaries are aware of when they will receive their benefits. According to this payment schedule, retirees, survivors, and disabled individuals will receive their Social Security payments on the following dates:
- On February 12th for all beneficiaries who qualify for the RSDI program and were born between the 1st and the 10th
- On February 21st for all beneficiaries who qualify for the RSDI program and were born between the 11th and the 20th
- On February 26th for all beneficiaries who qualify for the RSDI program and were born between the 21st and the 31st
Employers and employees pay payroll taxes, which fund Social Security. Unless Congress intervenes to stop it, Social Security payments are expected to decrease.
According to analysts, as early as 2034, the SSA will no longer be able to provide full payments to recipients because of a growing number of retirees and a declining number of workers.

How much money will beneficiaries receive in the following weeks?
Given the new 2.5% increase in the cost of living adjustment (COLA), beneficiaries of the retirement, survivor, and disability insurance (RSDI) and Supplemental Security Income (SSI) programs will receive different payment amounts depending on the agreement under which they claimed their benefits, the type of disabilities they have, the amount of Social Security taxes paid, and the income and resource threshold requirements.
For example, retired workers will receive an average of $1,976 per month, whereas those who received benefits before reaching the full retirement age (FRA) will receive up to $2,831. In addition to these Social Security payment amounts, other values are available, as detailed below:
Retirement benefits | 2025 |
65 years old | $3,374 |
66 years old | $3,795 |
67 years old | $4,018 |
70 years old | $5,108 |
On the other hand, disabled people receive an average of $1,580 in monthly checks, while survivors will receive different payment amounts based on the following criteria:
- Older spouses who meet SSA requirements will receive a Social Security payment of $1,832
- Those who have a widowed parent and two qualifying children will get up to $3,761
- Aged widow(er) alone could receive up to $1,832
Finally, individuals who apply for SSI will receive $967, while eligible couples who meet the income and resource requirements will receive $1,450. The Social Security Administration will also provide an additional $484 payment to individuals or couples who meet the essential person (EP) condition.
If your Social Security payment does not arrive on the scheduled date, wait at least three mailing days before contacting the federal agency. You can also check your My Social Security Account for more information.
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