April Social Security Deposits of $5,180 & $967: In April 2025, Social Security beneficiaries across the United States are receiving their scheduled payments. Among the most discussed figures this month are the $5,180 and $967 deposits. These numbers refer to the highest possible Social Security retirement benefit and the maximum Supplemental Security Income (SSI) benefit, respectively. If you’re wondering whether you’ll receive either of these payments, how they’re calculated, and when to expect your deposit, this guide will walk you through everything you need to know—whether you’re planning for retirement, supporting a family member, or just trying to understand your benefits.
April Social Security Deposits of $5,180 & $967
Whether you’re eyeing the $967 SSI payment or aiming for the $5,180 maximum retirement benefit, knowing the eligibility rules, payment schedule, and calculation methods is essential. Even if you’re not receiving the maximum, small changes—like delaying retirement or correcting your earnings record—can have a major impact on your future income.
| Feature | Details |
|---|---|
| Maximum Retirement Benefit | Up to $5,180/month in 2025 for high earners who delay retirement until age 70. |
| Maximum SSI Payment | $967/month for eligible individuals, $1,451/month for eligible couples. |
| April 2025 Payment Dates | April 1 (SSI), April 9 (birthdays 1st–10th), April 16 (11th–20th), April 23 (21st–31st). |
| Eligibility Criteria | Based on age, work history, disability status, and financial need. |
| Official Source | Social Security Administration |
What Is the $967 Payment?
The $967 Social Security payment refers to the maximum federal Supplemental Security Income (SSI) benefit for individuals in 2025. SSI is a needs-based program designed to help:
- People aged 65 or older,
- People who are blind or disabled,
- Individuals with limited income and resources.
In 2025, the federal base SSI amount is:
- $967 for individuals,
- $1,451 for eligible couples.
These amounts are subject to cost-of-living adjustments (COLAs), which are updated annually to match inflation. The 2025 COLA increased SSI benefits by 3.2%.
April SSI Payment Date: April 1, 2025
What Is the $5,180 Payment?
The $5,180 Social Security payment refers to the maximum possible monthly retirement benefit in 2025. This applies to people who:
- Have worked and paid into Social Security for at least 35 years,
- Consistently earned the maximum taxable earnings each year,
- Delay their retirement until age 70 to receive Delayed Retirement Credits.
Breakdown of Maximum Retirement Benefits in 2025
- At full retirement age (67): Up to $4,018/month
- At age 70: Up to $5,180/month
- At age 62 (early retirement): Significantly reduced benefits
These amounts are based on your earnings history and the age at which you claim benefits.
April Retirement Payment Dates:
- April 9 – Birthdays from 1st to 10th
- April 16 – Birthdays from 11th to 20th
- April 23 – Birthdays from 21st to 31st
How Are Social Security Benefits Calculated?
Understanding how your benefits are calculated is key to maximizing them.
- Earnings Record: The SSA looks at your highest 35 years of earnings, adjusted for inflation.
- Primary Insurance Amount (PIA): This is your base benefit at full retirement age.
- Age of Claim: Claiming early reduces your benefit; delaying increases it up to age 70.
Recent Updates to Social Security for 2025
Several updates were implemented for 2025:
- COLA Increase: Benefits rose 3.2% to match inflation.
- Maximum Taxable Earnings Cap: Increased to $168,600.
- Earnings Limit for Early Retirees: Increased to $22,320 for those under full retirement age.
- SSI Federal Benefit Rate: Increased to $967 for individuals, $1,451 for couples.
Tips for Maximizing April Social Security Deposits of $5,180 & $967
Whether you’re nearing retirement or helping someone navigate the system, here are smart ways to optimize your benefits:
1. Delay Retirement
Waiting until age 70 increases your monthly benefit by about 8% per year beyond your full retirement age.
2. Work Longer
Your benefits are based on your top 35 earning years. Replacing low-earning years with higher-earning ones boosts your average.
3. Coordinate Spousal Benefits
Married couples can maximize household benefits by timing when each spouse claims.
4. Track and Review Your Earnings
Errors in your SSA earnings record can lead to lower benefits. Use your SSA account to verify yearly.
5. Consider Tax Implications
If your income exceeds certain limits, up to 85% of your Social Security benefits could be taxed.
How to Check Your Eligibility and Payment Amount?
- Create a My Social Security Account at www.ssa.gov/myaccount
- Use SSA Benefit Calculators to estimate your monthly payment.
- Apply Online or In-Person to claim benefits.
- Review the Payment Schedule so you know exactly when to expect your funds.
$1,450 SSI Deposit Starts This April – Check Your Eligibility & Payment Schedule
Extra SSI Payment Alert: Are You on the List for April 2025?
Extra SSI Payments Are Coming in April 2025 — Here’s What’s Really Going On
Frequently Asked Questions (FAQs)
Can I receive both SSI and retirement benefits?
Yes, but your SSI benefit may be reduced depending on your retirement benefit amount.
Why did I not receive $5,180 or $967?
These are maximum amounts. Most people receive less based on income, work history, or filing age.
Is Social Security income taxable?
Yes, if your total income exceeds $25,000 (individuals) or $32,000 (married couples filing jointly), a portion may be taxable.
What happens if my payment is late?
Allow three business days. If not received, contact your bank or the SSA at 1-800-772-1213.
Can non-citizens receive Social Security benefits?
Yes, if they are lawfully present in the U.S. and meet other eligibility requirements.
