For a lucky slice of America’s retirees, August 13 could feel like hitting the jackpot. Well, the Social Security jackpot!
Next Wednesday, the Social Security Administration (SSA) will start rolling out its August 2025 payments, and the maximum possible monthly benefit ($5,108) is on the table for those who’ve played the long game.
But before you start budgeting for a yacht or a Las Vegas weekend, it’s worth noting that this eye-popping figure is only for those who meet some VERY specific (and frankly demanding) requirements.
This top-tier benefit is reserved for people who’ve worked and contributed to Social Security for at least 35 years, reached the maximum taxable income limit in most of those years, and delayed claiming until the age of 70. That’s a lot of work, a lot of income, and a lot of patience. Most retirees will get much less in 2025; the average monthly check is about $1,907.
When and How Are These Payments Scheduled?
SSA payments are issued on three Wednesdays each month, based on birthdates. If you were born between the 11th and 20th of any month, you’re in the August 13 batch. Those born between the 1st and 10th got theirs on the second Wednesday, and birthdays from the 21st to the 31st will see payments on the fourth Wednesday.
Supplemental Security Income (SSI) recipients are in for a quirk this month: they’ll get two checks in August, thanks to the way the calendar falls. SSI is aimed at individuals with limited income and resources and is managed by the SSA separately from retirement benefits.
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How to Check Your Social Security Benefits?
Curious whether you’re in the $5,108 club or want to see when your money’s due?
Log in to the My Social Security portal. There you can: See your updated monthly estimate, check your next payment date, and review your contribution history. The platform is your best friend for avoiding phone hold music and long lines at SSA offices.
What If the Money Doesn’t Show Up?
August 13 will come and go. But what if your bank account still looks lonely?
Social Security is introducing an optional enhanced Security Authentication PIN (SAP) feature for online accountholders, beginning in August 2025. Find out more on our blog: < https://t.co/CZhSU08tJz>. pic.twitter.com/92tCYjl0FR
— Social Security (@SocialSecurity) August 2, 2025
The SSA advises:
- Wait three business days before sounding the alarm. Sometimes deposits take a little longer.
- Call 1-800-772-1213 or visit your local SSA office if the payment still hasn’t arrived.
- Double-check your banking info in the My Social Security portal. Even one outdated routing number can send your check on a detour.
If you get paper checks, consider switching to direct deposit to reduce delays (and mailbox theft risk).
Who Really Gets $5,108?
Let’s be blunt…most won’t. That maximum benefit is the crown jewel of the system, meant for those who maximized taxable income for decades and then waited until 70 to cash in. Claim earlier, earn less. It’s that simple. But even if you’re not pulling in five grand a month, Social Security remains a vital income stream for millions.
With payments staggered throughout the month, August’s payout schedule should run like clockwork. Still, if your money’s missing, act fast because when it comes to bills, patience is in shorter supply than $5,108 checks.
NEXT UP: Is Your Social Security Check Not Enough to Survive? Here’s How to Get More Benefits!
