The Social Security Administration (SSA) has confirmed that only two groups of beneficiaries will receive additional payments in January, while the rest have already received their scheduled deposits.
This detail stems from the way benefits are distributed to retirees and Supplemental Security Income (SSI) recipients.
For retirees (who share payment dates with SSDI disability beneficiaries), there are three regular monthly payments: they are made on the second, third, and fourth Wednesdays of each month, and are repeated on a regular basis, except when those days fall on a holiday.
Who is still waiting for Social Security payments in January?
The SSA payment system organizes transfers according to the recipients’ dates of birth. In January, deposits were made on the following dates:
- JanuaryĀ 8:Ā Beneficiaries born between the 1st and 10th of any month.
- January 15:Ā Those born between the 11th and the 20th.
- January 22:Ā Beneficiaries born between 21 and 31.
After these three payments, all retirees who depend on Social Security have received their money for January.
However, two groups are still on the list to receive funds this month, which are those onĀ January 22, and then onĀ January 31Ā those receivingĀ Supplemental Security Income (SSI) payments.

Requirements to obtain the maximum payment of $5,108 from Social Security
In 2025, the maximum monthly Social Security payment will be $5,108, which is reserved exclusively for those who meet a few specific conditions throughout their working lives.
These are the few but strict conditions that will define your financial future when you retire.
This amount is not available to all beneficiaries because it is dependent on factors such as annual income, years of service, and the age at which you choose to begin receiving benefits.
People with well-paying careers, such as professionals, entrepreneurs, or employees in high-income industries, are more likely to receive the highest payment.
One of the main requirements is to have reached the maximum income limit subject to Social Security taxes for at least 35 years.
In 2025, the cap is $168,600. Individuals who make this level of contribution each year receive the maximum amount of benefits possible.
In addition, you must have worked for at least 35 years. The formula for calculating average benefits takes into account the 35 years with the highest earnings. If someone has worked less, the missing years are counted as $0 earnings, lowering the monthly average.
Another critical requirement is to delay retirement until the age of 70. Although the full retirement age is 66 to 67, waiting until age 70 increases the benefit by 8% per year. This increase can make a significant difference in the overall amount.
Please keep in mind that in some states, certain levels of retirement or Social Security income may be taxed, depending on local laws and the Internal Revenue Service (IRS).
It’s always a good idea to talk to a financial advisor or retirement expert about doing the right thing while saving money.
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