DDN – The Social Security Administration pays out almost 73 million benefits per month to program participants, the vast majority of whom are retired. The government agency also provides financial protection to disabled people and survivors of deceased workers.

The SSA’s mission is to provide financial stability to all beneficiaries of the retirement, survivor, and disability insurance (RSDI) and Supplemental stability Income (SSI) programs.

When Will Beneficiaries Get Their Social Security Cheques This Month?

The agency distributes payments based on the recipients’ birth dates and the benefits they receive, per the Social Security payment schedule. Based on this monthly technique, beneficiaries will get their Social Security salaries on the following days:

• On the second Wednesday of January, or January 15th, for all recipients who qualify for the RSDI programs and have birth dates between the 1st and the 10th.
• On the third Wednesday of January, or January 22nd, for all recipients who qualify for RSDI programs and have birth dates between the 11th and 20th.
• On the fourth Wednesday of January, or January 29th, for all recipients who qualify for RSDI programs and have birth dates between the 21st and the 31st.

Aside from these regular payments to retirees, survivors, and disabled individuals, the government agency will also make monthly payments to SSI recipients on January 31st, as February 1st falls on a weekend. As a result, these beneficiaries will receive their benefits ahead of schedule to avoid financial problems.

Social Security Claimants Will Receive Between $1,976 and $5,108 This Week

According to current Social Security Administration criteria, retired workers who qualify for benefits on Wednesday will receive monthly payments ranging from $1,976 to $5,108. It is vital to remember that the payment amount will differ depending on the beneficiary’s situation, finances, and contribution obligations.

For example, individuals who claim benefits before reaching their full retirement age (FRA) will receive approximately $2,831 per month, whereas those who wait until they reach 67 can expect to receive up to $4,018. On average, retirees can earn $1,976, but if they wait until age 70, they may be eligible for the maximum Social Security payout of $5,108.

As the new cost of living adjustment for this year was confirmed last October, these new payments will already include the 2.5% COLA rise, allowing American beneficiaries to keep up with inflation and cover their living expenditures. Given this increased annual rise, the following are the primary payment amounts that the other beneficiaries will receive:

• Survivor benefits for the older spouse $1,832
• Survivor benefits: Widowed parent with two qualified children. $3,761
• Survivor Benefits: Aged Widow(er) Alone $1,832
• SSDI beneficiaries will get, on average, $1,580.

Can Beneficiaries Work While Receiving Social Security Benefits?

According to the federal agency’s guidelines, beneficiaries can work while receiving Social Security payments this year.

However, they will be subject to various earnings thresholds that they must consider; if they exceed those values, the Social Security Administration may withhold a portion of their monthly payments. To learn more about the earnings limit for 2025, please see the following chart:

If you are	You can earn up to	Benefits withheld
Under full retirement age in 2025	$23,400 ($1,950/mo.)	$1 for every $2
Turning full retirement age in 2025	$62,160 ($5,180/mo.)	$1 for every $3
Beginning the month, an individual attains FRA	No limit

Don’t forget that benefits withheld for earnings will be enhanced beginning at full retirement age, accounting for months withheld in the prior year.

Why Should Beneficiaries Open My Social Security Accounts?

Creating a My Social Security Account grants beneficiaries secure and interactive access to Social Security’s online services.

If you are eligible for Social Security benefits, you can seek a replacement Social Security card, report your earnings if you work, and get payments from the Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI) programs. Similarly, you will be able to download financial statements and request other changes such as:

• Verify your earnings history, benefits, and payment information.
• Update your address and phone number.
• Begin or adjust the direct deposit of your benefit payments.

If you are still not receiving monthly benefits, you may be able to view retirement benefit projections at various ages or start dates, check your application progress, and receive an estimate of your Social Security and Medicare taxes.