As April 2025 comes to an end, Social Security beneficiaries in the United States are looking forward to receiving their final retirement payment for the month. But not everyone will get this payment—only those who meet specific conditions set by the Social Security Administration (SSA).
Understanding when you will receive your monthly retirement check depends on the group you belong to, and for those in Group 4, the last payment of the month is coming on April 23, 2025.
Let’s look at who qualifies for this final Social Security payment in April and what steps you can take to make sure your money arrives on time.
Who Will Get the April 23, 2025 Social Security Payment?
To receive the last retirement payment of April, you must be part of Group 4. The SSA divides retirees into four groups based on your birthdate and when you started receiving benefits.
You qualify for the April 23 payment if you meet both of these conditions:
- Your birthday is between the 21st and 31st of any month.
- You started receiving Social Security benefits after May 1997.
If you meet these two requirements, you can expect your retirement check to be sent out on April 23. Remember, this is the last payment the SSA will send this month. If you’re in Group 1, 2, or 3, your April payment should have already arrived.
When Will You Receive the Money?
While the SSA sends the check on April 23, the actual day you receive the money depends on how you’ve chosen to collect it:
- If you use Direct Deposit, your payment usually appears on the same day it is sent.
- If you still receive a paper check, you might need to wait a few days for it to arrive by mail.
That’s why choosing the right payment method is important for faster access to your funds.
How to Receive Your Social Security Payment Faster
If you want your retirement check to arrive without delay, here are a few steps you can take:
1. Activate Direct Deposit
Direct Deposit is the quickest and most reliable way to get your Social Security benefits. It sends your money directly into your bank account on the payment date.
2. Keep Your Personal Information Updated
Any change in your life—like a new address, bank account, marriage, or divorce—must be updated with the SSA. If your information is outdated, it could delay your payment or cause it to be sent to the wrong place.
3. Check the SSA Payment Schedule
Always know your payment dates. The SSA posts a yearly payment calendar to help beneficiaries plan better.
4. Track Your Payment Online
Use your mySocialSecurity account to monitor your payment status and make sure everything is on track.
What If You Don’t Get Paid on Time?
If your payment doesn’t arrive on April 23 or shortly after (if using paper checks), wait at least 3 business days before contacting the SSA. Sometimes delays happen due to holidays, banking issues, or incorrect personal details.
The last Social Security payment for April 2025 will be sent on April 23, but only to those in Group 4—retirees who started receiving benefits after May 1997 and were born between the 21st and 31st of any month.
If you qualify, make sure you’ve activated Direct Deposit and kept your personal details updated for a smoother, faster experience. After this payment, your next one will come according to the May payment schedule, so stay informed and plan ahead.
