$5,180 + $967 Social Security Payments Coming in April – Are You Eligible? Check Eligibility

If you’re wondering whether you’re eligible for the upcoming $5,180 + $967 Social Security payments in April, you’re not alone. With millions of Americans depending on monthly government payments to support their living expenses, understanding who qualifies and how much they can expect to receive is more important than ever. These payments can significantly impact your financial planning, especially if you’re retired, living with a disability, or assisting a family member who qualifies.

In this comprehensive guide, we’ll unpack everything you need to know about these payments. We’ll cover the differences between Social Security and SSI, break down the payment dates and eligibility criteria, and provide real-world tips to help you better manage your benefits. This article is written with both simplicity and depth, so whether you’re a retiree or a financial planner, you’ll find value here.

$5,180 + $967 Social Security Payments Coming in April

With the Social Security Administration issuing up to $5,180 in retirement benefits and $967 in SSI payments in April 2025, now is the time to understand your eligibility, payment timeline, and financial planning options. These payments aren’t just numbers—they can make a real difference in the quality of life for retirees, people with disabilities, and low-income individuals.

Understanding the Two Payments: $5,180 and $967

What Is the $5,180 Payment?

The $5,180 monthly payment refers to the maximum Social Security retirement benefit available in 2025. This amount is rare and reserved for individuals who:

• Worked and paid into Social Security for at least 35 years,
• Earned the maximum taxable income for those years,
• Delayed retirement until the age of 70.

Why does delaying retirement matter? Because the Social Security system rewards you for waiting. If you retire early at 62, your monthly benefit is permanently reduced. If you wait until full retirement age (typically 67), you get your full benefit. Waiting until 70 gives you the highest possible payout.

While $5,180 is the upper limit, the average Social Security benefit in 2024 was about $1,907 per month, according to the SSA. (Source) Your benefit amount will likely fall somewhere in between, depending on your earnings and when you choose to claim.

What Is the $967 Payment?

The $967 monthly SSI payment is for individuals who qualify based on income and disability or age. SSI is needs-based, meaning it doesn’t depend on your work history, unlike Social Security retirement benefits. It’s designed to help the most financially vulnerable members of society.

You may qualify if you:

• Are age 65 or older,
• Are blind or disabled,
• Have very limited income and assets.

For couples who both qualify, the maximum benefit is $1,450 per month. SSI benefits can also supplement Social Security benefits if your retirement income is very low.

Who Is Eligible for These Social Security Payments?

Eligibility for Social Security Retirement Benefits

To qualify for Social Security retirement benefits, you must:

• Accumulate at least 40 work credits (equivalent to roughly 10 years of work),
• Reach the minimum age of 62,
• File an application through the SSA.

Your benefit amount is determined using a complex formula based on your highest 35 years of earnings, adjusted for inflation. If you have fewer than 35 years of work history, zeros are averaged in, which can reduce your monthly benefit.

The longer you work and the more you earn (up to the annual cap), the higher your benefit. For example, someone who consistently earned the maximum taxable income and waited until 70 to retire would be eligible for the top benefit amount of $5,180/month.

Eligibility for SSI

SSI eligibility is stricter and based primarily on your financial need. You don’t need a work history, but you must:

• Be age 65 or older, or blind, or disabled,
• Have monthly income below $1,971 (individuals in 2025),
• Own no more than $2,000 in countable resources ($3,000 for couples).

Countable resources include things like cash, stocks, and property (excluding your home). Certain items, such as one vehicle and personal effects, may be excluded from the resource limit.

Children with disabilities may also qualify for SSI if their family meets the income and resource requirements. More details are available at ssa.gov/ssi.

When Will You Receive the Payments in April?

Payment schedules vary depending on your birth date and benefit type. Here’s a breakdown for April 2025:

SSI Payment Date:

• April 1, 2025 (first of the month, regardless of birthday)

Social Security Retirement Payment Dates:

• April 3: If you began receiving benefits before May 1997.
• April 9: If your birthday falls between the 1st and 10th.
• April 16: For birthdays between the 11th and 20th.
• April 23: For birthdays between the 21st and end of the month.

Payments are typically issued via direct deposit. If you still receive paper checks, allow a few days for delivery. You can switch to direct deposit anytime by visiting your My Social Security account.

How To Check Your Eligibility & Payment Status

Step 1: Create or Log Into Your My Social Security Account

Visit www.ssa.gov/myaccount to:

• Estimate future benefits,
• View payment history,
• Track application status,
• Update your banking or mailing info.

Step 2: Use the SSA Benefit Eligibility Screening Tool

The Benefit Eligibility Tool helps determine which SSA programs you may qualify for based on your circumstances.

Step 3: Contact the Social Security Administration

For personalized help, call 1-800-772-1213 (TTY 1-800-325-0778) or visit your local SSA office. Representatives can:

• Explain how benefits are calculated,
• Help with applications,
• Assist with appeals if your claim was denied.

Practical Advice for Managing Social Security Payments

Tip 1: Set Up Direct Deposit

The safest and fastest way to receive your benefits is through direct deposit. You can have your payment sent directly to your bank account or a Direct Express® Debit Mastercard®.

Tip 2: Stay Alert for Scams

Unfortunately, Social Security scams are common. Remember:

• SSA will never call, email, or text asking for your Social Security number or banking info,
• They will not demand immediate payment or threaten arrest,
• Report suspicious messages at ssa.gov/scam.

Tip 3: Consult a Financial Advisor

Whether you’re already receiving benefits or planning for retirement, talking to a financial advisor can be a smart move. They can help you:

• Maximize spousal and survivor benefits,
• Understand tax rules on Social Security income,
• Budget for healthcare and living expenses in retirement.

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FAQs About $5,180 + $967 Social Security Payments Coming in April

Can I receive both SSI and Social Security retirement benefits?

Yes. If you’re eligible for both programs, you can receive concurrent benefits. However, your SSI amount may be reduced based on the income you receive from Social Security.

I was born on April 10. When will I get my Social Security payment?

Your Social Security retirement payment will be deposited on April 9, 2025, because your birthday falls between the 1st and 10th of the month.

Is the $5,180 monthly benefit automatic for all retirees?

No. You only receive that amount if you:

• Earned maximum taxable income over 35 years,
• Retired at age 70,
• Have no early withdrawal penalties.

Will benefit amounts change in the future?

Yes. Social Security benefits are adjusted yearly based on Cost-of-Living Adjustments (COLA). The 2025 COLA is 3.2%, reflecting inflation.

Can children or disabled adults qualify for SSI?

Absolutely. Children under 18 and disabled adults who meet the income and resource requirements may qualify. In the case of minors, parental income is considered.