February Social Security Payments to Begin February 12

The first of three payment waves will distribute up to $5,108 to eligible retirees based on their birth dates.

February Social Security payments will be distributed in three rounds, starting February 12 for retirees born between the 1st and 10th of a month.
Subsequent payments will be sent on February 19 for those born between the 11th and 20th, and February 26 for those born on or after the 21st.
The maximum monthly benefit for retirees in 2025 is $5,108, available to those who delay retirement until age 70 and meet lifetime high-earning criteria.
The average Social Security payment for retirees in January 2025 is $1,976, emphasizing the need for supplemental income from savings or other sources.
Analysts warn that Social Security benefits could decrease by 2034 without congressional action, as the system faces funding challenges from demographic shifts.