Social Security Sends Final $5,108 Checks of the Month—Here’s Who’s Getting Paid on May 28

So, here’s the scoop—if you’re on Social Security and your birthday lands toward the end of the month, there’s some good news coming your way. A bunch of folks are about to get their checks—up to $5,108—dropped straight into their bank accounts this Wednesday, May 28, 2025. Yep, it’s the final round of payments for the month, and it’s gonna hit hard for a lot of people who’ve been waiting.

Now, let’s not get carried away—not everyone’s getting $5,108. That’s the maximum payment, and it’s usually for folks who waited until age 70 to start collecting and had a solid earnings record. But still, even if you’re not getting the full amount, it’s something, right?

So, what’s the average payout?

According to the SSA, the average Social Security check in early 2025 was sitting around $1,976 per month. The actual amount you get depends on three big things: how much you earned over your career, how long you worked, and the age you decided to start collecting. The earlier you tap into benefits, the less you get. The longer you wait, the more that check grows.

And don’t forget, these payments go through yearly tweaks thanks to the COLA (Cost-of-Living Adjustment). Basically, it’s the government’s way of trying to keep up with the fact that everything—food, rent, meds—is getting more expensive.

Who’s getting paid on May 28?

Alright, here’s where the calendar magic comes in. If your birthday falls between the 21st and the 31st, then May 28 is your payday. That’s how the Social Security payment schedule works—it’s all based on your birth date.

If you were born earlier in the month, your check should’ve already landed. But this last May payout is for the folks with later birthdays. And if you get your benefits based on your spouse’s work record, then your payment lines up with their birth date, not yours. Weird, but that’s how it works.

One exception though: if you started receiving Social Security before May 1997, you’re on a whole different schedule—you usually get paid right at the start of the month, around the 3rd.

What if your money doesn’t show up?

Don’t panic just yet. If May 28 rolls around and nothing hits your account, the SSA says to give it three days before reaching out. Delays happen—mostly on the bank’s end. Direct deposits can take a beat, and sometimes things just move slow.

That said, double-check your bank info, mailing address, and all that good stuff. One wrong digit or an old account could throw a wrench in everything. If something’s off, get in touch with SSA ASAP.

A few costly mistakes to dodge

While we’re here, two quick heads-ups: Don’t ignore any SSA updates or assume your payment will magically adjust itself. Also, if you’re thinking of working while collecting benefits, make sure you know how that could affect your payout. These little things can chip away at your monthly check if you’re not careful.

Let’s be real: with everything getting pricier by the week, this check—whether it’s a couple grand or the full $5K+—can be a total lifesaver. So if you’re in line for that May 28 drop, keep your eyes on your account and maybe plan something small with it. You’ve earned it.

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