Every month, the Social Security Administration (SSA) distributes payments to nearly 70 million Americans. While most people receive retirement benefits, the agency also issues Supplemental Security Income (SSI) and Disability benefits.
For many, these checks are a financial lifeline—and for a select few, the maximum monthly benefit can reach an impressive $5,108.
SSA Programs: Retirement vs. SSI vs. Disability
Retirement Benefits: Based on the years you worked and paid Social Security taxes. These payments are not affected by other income you may have in retirement.
Supplemental Security Income (SSI): For people with very little to no income or resources. Eligibility depends on current financial need.
Disability Benefits (SSDI): For individuals who cannot work due to a disability and who have enough work credits. If your income situation changes, you may lose eligibility.
Who Can Receive $5,108 From Social Security?
While the average retiree collects about $2,000 per month, the maximum benefit—$5,108 in 2025—is available to only a small group. To qualify for the highest payment, you must:
Have a long history of high earnings while paying into Social Security.
Delay claiming benefits until age 70. (You can start as early as 62, but early filing reduces your monthly benefit.)
Meet retirement age and work credit requirements.
August 2025 Social Security Payment Dates
Payment dates depend on your birthday and when you first claimed benefits:
Second Wednesday: Birthdays between the 1st and 10th.
Third Wednesday: Birthdays between the 11th and 20th.
Fourth Wednesday: Birthdays between the 21st and 31st.
That means the next retirement payment date is Wednesday, August 27, 2025, for those born between the 21st and 31st of the month. Some of these beneficiaries could receive up to the maximum $5,108.
Who Has Different Payment Dates?
Not all beneficiaries follow the Wednesday schedule:
SSI-only recipients: Paid on the 1st of every month.
SSI + retirement recipients: Paid on the 3rd of every month.
Beneficiaries who claimed before May 1997: Also paid on the 3rd of every month.
This year, there’s a small twist. Since September 1 falls on Labor Day, SSI recipients will get their September benefit early on August 29. As a result, they will not receive a payment in September itself.
Whether you receive retirement, SSI, or disability benefits, knowing your payment date is essential for budgeting. While most retirees receive around $2,000 per month, those who delayed until age 70 may see checks as high as $5,108.
And with payment adjustments for holidays like Labor Day, keeping track of the SSA schedule ensures you never miss your benefits.
