As April 2025 begins, millions of retirees across the United States are preparing to receive their monthly Social Security payments, with the first round of deposits already rolling out. While many Americans are accustomed to receiving these funds like clockwork each month, knowing exactly when your payment will arrive—and how much it will be—is more important than ever, especially as the cost of living continues to rise.
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If you’re expecting a $1,720 Social Security check soon, this article will help you determine when you’ll receive it, what group you’re in, and the key eligibility factors that determine whether you’ll see that money in the next few hours—or if you already should have.
Who Will Receive the $1,720 Social Security Payment in April 2025?
To qualify for the $1,720 Social Security direct deposit (or mailed check) arriving now, you must meet two key criteria:
- You must be a Group 1 retiree, meaning you started receiving Social Security before May 1997.
- You do not have Direct Deposit activated, meaning your check is likely to arrive by mail, which can still happen within the first few days of the month.
📌 Note: The birthday-based payment schedule does not apply to Group 1 retirees. That’s only relevant for those who began receiving benefits after May 1997.
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Understanding Social Security’s Group 1 Payment Schedule
The Social Security Administration (SSA) distributes payments on a staggered basis to spread out processing. Here’s how it works:
- Group 1: Retirees who started receiving benefits before May 1997
- Group 2, 3, and 4: Retirees who began after May 1997, with payment dates determined by their birthdate
If you’re in Group 1, your check is scheduled for the first few days of each month. In April 2025, that means your payment is already arriving, with delivery completed over the first 48–72 hours of the month depending on your method of receipt.
What If I Have Direct Deposit?
If you’re part of Group 1 and use Direct Deposit, there’s a high chance you’ve already received your payment, possibly on April 1. However, those without Direct Deposit—who still receive paper checks—may see theirs land within hours or a couple of days, depending on mail service timelines.
This is why opting into Direct Deposit is often recommended—it ensures faster and more predictable access to your monthly benefit.
What’s the Standard Social Security Payment for April 2025?
The average Social Security retirement benefit in 2025 is approximately $1,720 per month. However, this amount can vary widely depending on lifetime earnings, work history, and the age at which you began collecting benefits.
Payment Ranges:
- Average payment: ~$1,720/month
- Maximum possible benefit: Up to $5,180/month (for high earners retiring at full retirement age or later)
⚠️ The $5,180 benefit is rare and only accessible to those with a long, high-earning history who delay retirement to maximize their monthly amount.
What About COLA Increases for 2025?
Although the Cost of Living Adjustment (COLA) was applied at the beginning of the year, there will be no additional increase in April. This means the amount you received in January, February, and March is the same as what you’ll receive in April.
This consistency allows retirees to plan their monthly budgets, as benefits remain unchanged unless another COLA adjustment is announced later in the year.
Exact April 2025 Social Security Payment Schedule
To clarify when you’ll receive your funds, here’s a breakdown of the April 2025 Social Security payment calendar:
- April 1: Group 1 retirees (beneficiaries from before May 1997)
- April 10: Group 2 (birthdays 1st–10th)
- April 17: Group 3 (birthdays 11th–20th)
- April 24: Group 4 (birthdays 21st–31st)
Note: Payments typically arrive on Wednesdays, and always based on your birthday and start-of-benefit date.
SSDI Recipients: Important Note
If you’re receiving Social Security Disability Insurance (SSDI) and your birthday falls between the 1st and 10th of the month, you’ll likely receive your benefit on April 10. The same birthday-based rule applies to SSDI recipients as it does to retirement beneficiaries who began after May 1997.
Can I Expect Additional Benefits Like SSI or SNAP in April?
While Social Security provides the baseline income for retirees, those facing financial hardship may also qualify for Supplemental Security Income (SSI) or SNAP Food Stamp benefits.
These additional payments can provide critical support with:
- Food expenses
- Housing assistance
- Basic needs not covered by Social Security
If you’re unsure whether you qualify, consider visiting the official SSA website or contacting your local benefits office.
Final Thoughts: Know Your Group, Method, and Dates
Whether you’re a retiree on a fixed income or managing multiple support programs, understanding when and how much you’ll receive from Social Security in April 2025 is essential to budgeting and peace of mind.
To recap:
- If you’re in Group 1 (retired before May 1997), your $1,720 check is arriving now—especially if you don’t have Direct Deposit.
- The maximum benefit of $5,180 remains rare and is only available to those who meet specific criteria.
- COLA adjustments are already factored in, and monthly payments are steady for now.
- Paper check recipients should expect their payments within a couple of days, while Direct Deposit users may have already received theirs.
Want Help Tracking Your Benefits?
Bookmark the SSA Payment Calendar or use a benefits tracker app to set alerts for future deposits. And if you’re concerned about payment timing or amounts, contacting the Social Security Administration directly is the best course of action.