Some Social Security recipients are set to receive a maximum benefit of $5,108 in August 2025. The next round of payments begins Wednesday, August 13, targeting retirees who meet very specific conditions.
This payment represents the highest possible monthly benefit and applies to individuals who:
- Worked and contributed to Social Security for at least 35 years
- Reached the maximum taxable income limit in most of those years
- Delayed claiming benefits until age 70
Only a small portion of beneficiaries qualify for this amount. The average benefit remains around $1,907, according to the Social Security Administration (SSA).
Payment schedule: How SSA determines your deposit date
The SSA uses your birthdate to assign payment dates:
- Born 1st–10th: Second Wednesday (August 13)
- Born 11th–20th: Third Wednesday (August 20)
- Born 21st–31st: Fourth Wednesday (August 27)
Additionally, SSI recipients will receive two payments in August due to the way the calendar falls.
Retirees who began receiving benefits before 1997 typically receive payments on the third day of each month.
How to check your payment status
To find your exact payment amount and schedule:
- Log in to your My Social Security account
- Check your monthly estimate
- View your next payment date
- Review your earnings record
It’s crucial to ensure your bank details and contact information are up to date.
What to do if your $5,108 payment doesn’t arrive
If August 13 passes and you haven’t received your payment:
- Wait three business days
- Call the SSA at 1-800-772-1213
- Visit your local SSA office
- Log in to your My Social Security account to verify deposit status
Why some retirees receive $5,108 — and most don’t
While the $5,108 payment grabs headlines, the majority of Social Security recipients receive less. That’s because most people:
- Claim benefits before full retirement age
- Don’t consistently hit the maximum income cap
- Have less than 35 years of earnings
Delaying retirement past full retirement age (66–67) increases your benefit by up to 8% per year—making age 70 the optimal age for those wanting the maximum check.