$4,873 Social Security Payment: What You Need to Know Before Payday

By Ronak Sharma On May 16, 2025 Share with new partner:

You might’ve come across that big $4,873 number and thought, “Whoa, am I getting that much from Social Security now?” Let me tell you — it’s not quite that simple. That’s actually the highest monthly payment anyone could get, but most people don’t see anywhere near that.

What’s the $4,873 All About?

That’s the max Social Security check someone can get if they’ve worked a long time, made good money, and waited until age 70 to start collecting benefits. Waiting can really boost your monthly amount, but not everyone can or wants to wait that long.

For most people, the average monthly payment is closer to around $2,000 — so don’t be surprised if your check is less.

When Does Your Social Security Payment Show Up?

Here’s how it works: Social Security checks get sent out based on your birthday.

If your birthday is between the 1st and 10th of the month, you’ll get your check on the second Wednesday of the month. For May 2025, that’s May 14.
If your birthday falls between the 11th and 20th, your payment comes on the third Wednesday — May 21.
If your birthday is between the 21st and 31st, expect it on the fourth Wednesday, May 28.

If payday falls on a weekend or holiday, they usually pay you the business day before.

$4,873 Social Security Payment: What You Need to Know Before Payday

Who Actually Gets Social Security?

Not everyone qualifies for benefits right away. To get yours, you generally need to:

Have worked long enough to earn 40 work credits — usually about 10 years.
Be at least 62 years old to start collecting, though waiting longer can get you more money.
Your benefits are based on how much money you earned during your highest-earning 35 years.

How Can You Find Out What You’ll Get?

Want to check your personal Social Security details? Here’s the easiest way:

Go to the official Social Security site at ssa.gov.
Set up or log into your my Social Security account — it shows your earnings and estimates your benefits.
Try an online calculator if you want to see how your payments might change depending on when you start.

Quick Heads-Up

That $4,873 number is the max — most people won’t get that much.
Your actual check depends on your work history, income, and when you choose to start getting benefits.
Knowing your payment date helps you plan better and avoid surprises.

Social Security can seem confusing, but it doesn’t have to be. If you want, I can help you figure out your payment date or walk you through checking your benefits. Just ask — I’m here for you!