This September, some seniors could receive up to $5,108 in Social Security benefits—the maximum monthly amount for retirees who waited until age 70 to claim.
But this peak amount is not universal. Understanding who qualifies, when payments arrive, and how to monitor your benefits is essential for a hassle-free experience this fall.
Why Some Seniors Can Receive $5,108
The maximum Social Security benefit in 2025 is $5,108 per month, available only to those who:
- Claim retirement benefits at age 70.
- Have 35+ years of maximum taxable earnings (earnings at or above the wage cap of $176,100 per year in 2025).
- Worked consistently and delayed taking benefits to benefit from delayed retirement credits.
This makes the full $5,108 quite rare—only a select group with long, high-earning careers qualify.
September 2025 Payment Schedule- Who Gets Paid When
Social Security checks are issued based on your birthday each month. Here’s how September’s schedule breaks down:
| Birth Date Range | Payment Date (September 2025) |
|---|---|
| 1st – 10th | Wednesday, September 10 |
| 11th – 20th | Wednesday, September 17 |
| 21st – 31st | Wednesday, September 24 |
These are your exact dates to watch if you’re expecting that maximum benefit—or any benefit, for that matter.
Average vs. Maximum- What Most People Actually Get
While $5,108 sounds impressive, it’s important to keep it in perspective:
- The average Social Security monthly benefit for retired workers in July 2025 was approximately $2,007, nearly half the maximum.
- Full Retirement Age (FRA) claimants get up to $4,018, and early retirees (age 62) cap out around $2,831.
- The difference is driven by claiming age, lifetime earnings, and length of working career.
Most beneficiaries fall within the mid-range—not at the extremes.
How to Check Your Exact Benefit Amount
To discover your specific Social Security payment:
- Log in to My Social Security—your personalized portal for benefit info.
- Check the “Estimated Monthly Benefit” section.
- Review your full contribution history and your upcoming next payment date.
Staying informed makes all the difference for planning and peace of mind.
What to Do If Your Payment Is Delayed
If you haven’t received your check by your scheduled date, follow these steps:
- Wait at least three business days post-payment date.
- Confirm your bank details are accurate in your online account.
- Contact the SSA helpline or visit your local field office.
Prompt action ensures minimal disruption and faster resolution.
September 2025 brings a potential windfall for some—$5,108 in Social Security benefits, but only for those who delayed claiming until age 70 with a high-income work history.
The rest will receive payments ranging from roughly $2,000 (average) to around $4,018, based on their specifics. With payments dropping mid-month based on birthdays, keep tabs on your My Social Security account. It’s your best tool to ensure you’re paid accurately and on time.
FAQs
Who can receive the full $5,108 in Social Security benefits this September?
Only retirees who claim at age 70, with 35 years of earnings at the taxable maximum, are eligible for this peak amount.
What is the average Social Security benefit for 2025?
The average retiree benefit hovers around $2,007 per month, well below the maximum.
When will I get my Social Security check in September 2025?
If your birthday is between the 1st and 10th, payment arrives Sep 10; between the 11th and 20th, it’s Sep 17; and between the 21st and 31st, it’s Sep 24.