If your birthday falls between May 21 and May 31, you might receive up to $5,108 from Social Security within 48 hours. This payment is for retirees who have opted to delay retirement in order to maximise their benefits. While not all beneficiaries will receive the maximum amount, many will earn much more than the usual amount.
Social Security in the United States provides a series of payments to retirees and persons with disabilities each month. However, payments may differ depending on when beneficiaries’ birthdays fall and how they have arranged their retirement. Those with birthdays between May 21 and 31 receive their payments on May 21 of each month. For some, this reward represents the culmination of years of hard labour and savings, and it will be deposited immediately into their bank account in one single sum.
It is crucial to note that in 2025, the maximum retirement payment for those who want to postpone retirement would be $5,108 monthly. This is the greatest amount that can be received if you wait until you are 70 to start collecting. While not all recipients achieve this level, those who do are those with a successful job and adequate pay during their working years.
Who receives the payout on May 21?
Retirees whose birthdays fall between May 21 and May 31 who are members of Social Security Group 4 receive their payments on May 21. This group consists of persons who began receiving benefits after May 1997. Depending on how much they earned while working, they may be entitled for higher-than-average payments, especially if they postponed their retirement.
The payment of $5,108 is only made if the beneficiary decides to postpone retirement until age 70, increasing the amount received each month. If a recipient starts collecting early, the amount will be less, but still significant.
If your birthday falls on one of these dates, you should verify your account on my Social Security or contact the Social Security Administration to confirm the precise amount you will get and that all of your information is right.
Maximise your Social Security payment
If you wish to maximise your payment, you can perform the following three key steps:
- Delay collection till age 70: Each year you delay collecting your benefits, your payments grow by 8%, resulting in a much bigger total over time.
- Working for 35 years: Social Security benefits are calculated using your wages from the 35 highest-earning years of your career. The longer you work and the higher your average wage, the greater your benefits will be.
- Earn a nice pay during those years: The amount you receive is mostly determined by your total annual income. Those with higher salaries during their working lifetimes benefit from higher payments.
Following these steps may allow you to get a substantially higher sum than the usual payment, closer to the maximum of $5,108 every month. With these changes, you may fully utilise the benefits that Social Security has to offer.