You had to work and pay payroll taxes in order to get a Social Security payment from the Service. Keep in mind that you can only earn 4 work credits in a year. To get retirement benefits at age 62, you will need at least 40 credits. You might be able to get payments before age 62 if you have a certain kind of handicap.
You can put off filing or wait until you are 66 or 67 years old, which is the Full Retirement Age. You will be able to get all of your rewards this way. People who choose to file when they are 70 get all of their benefits plus an extra 24%. That’s 8% every year after you hit the normal retirement age, also called the Full Retirement Age.
3 Dates to collect Social Security in July
In the United States, most seniors, whether they are 66 or 67 years old, get their Social Security check on a Wednesday. This is because the Administration splits paychecks into parts based on when you were born.
Folks who were born between January 1st and October 10th will get paid on the first Wednesday of every month. On July 9, 2025, you’ll get paid. Every Wednesday payment is for people who got benefits after April 30, 1997, and who are not getting Supplemental Security Income right now.
People over 62 whose birthday is between July 11th and July 20th will get paid on the second Wednesday of every month, July 16th. Because they were born later in the month, those people are the last to get their Wednesday checks.
That is, if you were born between July 21 and July 31, your Social Security check will arrive on July 23. People who get these paychecks will need to stay eligible. In this case, if you go to jail and stay longer than allowed, your benefits will end.
How much can 66-67-year-olds get from Social Security in July?
When you file at Full Retirement Age (66 years and 10 months in 2025), the most you can get is $4,018. Some people who work haven’t hit Full Retirement Age yet. If they were born in 1960 or later, their normal retirement age will be 67.
You may be asking how a retiree can get $4,018 when the average Social Security payment for retirees in May 2025 was only $2,002. The answer is easy: they made a lot of money in SSA-covered jobs and worked for 35 years while getting the most money they could be taxed on.
You can get $5,108 when you’re 70 years old, believe it or not. So, the payment that some 66-year-olds can get in 2025 is not the biggest one that can be found in the US. Working for 35 years, making more money, and reporting at or after the FRA can help you get more money, even if you can’t get as much.
