In the United States, Social Security payments are ongoing and April is proving to be a busy month for millions of retirees. After the 10th and 17th payments, there is still a group that has yet to get their money, but they will do so very soon. For those who meet certain criteria, this latest monthly payment could amount to more than $4,000.
Many people await this last monthly payment with anticipation, not only because of what it means for their finances, but also because it marks the end of the calendar month of April. And although the amount varies according to the personal situation of each recipient, the truth is that those who have maximized their benefit will see a considerable sum in their accounts.
But beware: this payment is not for everyone. The check on April 23 is only intended for a specific group of retirees. Knowing if you are part of it is key to not losing track of the money you could receive.
Who receives the April 23 Social Security check
The payment on April 23 is for group 4 Social Security retirees, i.e. those who started getting their benefit after May 1997 and who were also born between the 21st and the 31st of the month. Only those who meet both requirements will get the money on that date.
As usual, the deposit is made directly into the beneficiary’s bank account or card, with no need for additional paperwork. The amount received will depend on several factors: the number of years of contributions, the salary during the working life and the age at which retirement was applied for.
The Social Security Administration (SSA) reminds people that it is important to keep their personal details up to date, as any error could delay collection. It is also a good idea to check your My Social Security account frequently to make sure everything is in order.
How to get a Social Security bigger than $4,000
Although not everyone reaches such high figures, it is possible to get more than $4,000 a month if you follow three key steps during your working life. The first is to work for at least 35 years, as the benefit calculation is based on the average of the highest annual income in that period.
The second step is to earn a high and constant salary throughout those years. The more you contribute to the system, the higher the monthly benefit. Finally, the factor with the greatest impact is age: delaying retirement until the age of 70 allows you to reach the maximum monthly amount.
In 2025, the maximum Social Security check for delayed retirement is $5,108, a figure that only those who have met all these requirements get. Reaching that level is not easy, but it is not impossible if you plan ahead and make the right decision at the right time.
And although the payment on April 23 will be the last of the month, May will bring with it a new cycle of submissions. Keeping up with the calendar and knowing the conditions is the best way to make sure you don’t miss out on a single dollar of the money you are entitled to.
