When you apply for Social Security benefits, your monthly payment may be higher or smaller depending on your age. Traditionally, people could retire at age 65, also known as the Full Retirement Age (FRA). But in 2025, you have to be at least 66 years and 10 months old to become FRA. In this case, filing at age 65 will lower your monthly payments.
Some Americans will be able to retire at age 67. This is actually the age limit for people born after 1960. As a result of this Social Security rule, adults over 65 will not get the biggest monthly payments. In July, the maximum benefit of $5,108 can only be given to people who worked 35 years in SSA-covered jobs, filed their taxes when they were 70, and made benefits and contributions during that time. A lot more than the average 85-year-old person makes.
When can 65-year-olds receive their Social Security payment in July?
For people who started getting Social Security benefits after April 30, 1997, and are not also getting Supplemental Security Income, there are three possible payment dates for people 65 years or older and other qualified recipients of a different age.
They can share the pay even if they are 62 or older. One can wait until July 23, 2025, at the earliest, before they get their retirement benefits. Electronic payments for all Federal payments are now required by executive order, so paper checks will no longer be used.
Regardless, you should wait up to three mailing days before getting your Social Security check. Banks and other financial institutions may take a little longer to make payments on some occasions.
Therefore, first call your bank. If they still haven’t gotten your payment, wait three mailing days and then call the SSA. The payments that will be available the soonest are on July 9 and 16. There will be three of them on a Wednesday.
Eligibility for Social Security payments for seniors age 65
Individuals of different ages can also get their monthly payment on one of these three dates if their birthday falls within the U.S. Social Security rules.
- July 9: payment of retirement benefits; birthdays from 1 to 10
- Payday for retirement benefits on July 9; birthday from November 11 to 20
- Payday for retirement benefits on July 9; birthdays from July 21 to July 31
In December 2024, the average salary for senior citizens was $1,622.00. To everyone who gets it, male or female. Also, you can find out the average amount based on the recipient’s gender.
For instance, the average Social Security retirement salary for a man aged 65 is $1,784.78. Actually, women get paid less than the average amount for both men and women. In the United States, the average final salary for women in retirement is $1,452.55 as of December 2024.
