SSA sends $5,108 checks in 3 days ― See if you qualify for a new payment

Millions of Americans relying on Social Security are in line to receive their final benefit payment for May on Wednesday, May 28, 2025. For eligible retirees, this deposit could reach as high as $5,108, offering a crucial boost as living expenses continue to climb. This payment is part of the SSA’s scheduled distribution for recipients whose birthdays fall between the 21st and 31st of the month.

Here’s a breakdown of what to expect, who qualifies for the May 28 payment, and how much recipients could receive—plus the key mistakes to avoid that could cost you money.

How Much Will You Receive in Social Security?

Social Security payments vary significantly depending on when you retire and your lifetime earnings. Here’s what retirees can expect for 2025 based on the age at which they began collecting benefits:

Retirement Age	Estimated 2025 Monthly Benefit
Age 62	$2,831
Age 67	$4,018
Age 70	$5,108 (maximum benefit)

The average benefit as of January 2025 is $1,976. While the highest possible monthly payout is $5,108, most retirees receive far less unless they worked at high income levels for 35+ years and delayed claiming benefits until age 70.

Annual benefit increases are also affected by the Cost-of-Living Adjustment (COLA), which helps recipients keep up with inflation and higher consumer prices.

To get an accurate estimate of your specific benefit, use the SSA’s My Social Security portal.

Who Will Receive the May 28, 2025 Payment?

The SSA distributes retirement benefits in waves, based on birth dates:

Birth Date Range	Payment Date
1st – 10th	May 14, 2025
11th – 20th	May 21, 2025
21st – 31st	May 28, 2025

So if your birthday falls between May 21 and May 31, your payment is coming on Wednesday, May 28. That includes retirees, disability benefit recipients, and those receiving benefits based on a spouse’s work history—as long as their birthday aligns with this date range.

Exclusions:

• Recipients who began receiving benefits before May 1997 are not included in this group. They follow a different payment schedule and usually receive their benefits on or around the 3rd of each month.

What If You Don’t Receive Your Payment on Time?

Most payments are processed via direct deposit, with 99% reliability, according to the SSA. Still, delays can occur due to bank processing issues or incorrect account information.

Steps to take if your payment doesn’t arrive by May 28:

1. Wait three business days before contacting the SSA.
2. Check with your bank for pending transactions or delays.
3. Verify that your personal information is up to date with the SSA—especially direct deposit and mailing details.
4. Contact the SSA directly to report missing or delayed payments after the 3-day window.

Two Mistakes That Could Cost You Money

Even small errors can result in benefit delays or reductions. Avoid these common Social Security mistakes this year:

1. Failing to Update Personal Information

Not updating your banking information or address with the SSA can lead to missed or delayed payments. Always notify the SSA of any changes promptly.

2. Claiming Too Early Without Doing the Math

Claiming Social Security at age 62 significantly reduces your monthly benefit. While you can receive $2,831 per month at 62, waiting until 67 or 70 could increase your monthly payout by thousands annually. Evaluate your long-term needs and health outlook before claiming early.

As inflation continues to affect housing, food, and healthcare costs, the upcoming May 28 Social Security payment offers much-needed financial support—especially for those receiving the maximum benefit of $5,108. Whether you’re collecting an average payment or nearing the upper limit, staying informed and avoiding common pitfalls will help make the most of your benefits.

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