If you are 66 years old, you may still be waiting for your Social Security payment for February, or you could be set to receive both February and March payments in the coming weeks. The Social Security Administration (SSA) follows a structured schedule based on your birth date and when you started receiving benefits.
For those wondering about their exact payday—or how much they can expect—here’s a complete breakdown of when 66-year-olds will receive Social Security in February and March 2025.
How Much Will 66-Year-Olds Receive in 2025?
Social Security payments increase annually due to the Cost-of-Living Adjustment (COLA). In June 2024, the average check for 66-year-olds was $1,774, but after the 2.5% COLA increase, the new average benefit is $1,918 per month.
However, the exact amount you receive depends on:
✅ Your earnings history – The more you paid into Social Security, the higher your benefits.
✅ When you filed for benefits – Filing before Full Retirement Age (FRA) reduces your monthly check.
✅ COLA adjustments – These ensure payments keep up with inflation each year.
For comparison, the average payment for all retired workers in 2025 is $1,978—higher than the amount 66-year-olds receive if they filed before reaching FRA.
Social Security Payment Schedule for 66-Year-Olds (February 2025)
Your payday depends on your birth date and filing status:
📅 February 3, 2025 – If you started receiving Social Security before May 1997 or if you receive both Supplemental Security Income (SSI) and retirement benefits.
📅 February 19, 2025 – If you were born between the 11th and 20th of any month.
📅 February 26, 2025 – If you were born between the 21st and 31st and filed for benefits after April 30, 1997 (and do not receive SSI).
If you were born between the 1st and 10th, you should have already received your payment on February 12.
Social Security Payment Schedule for 66-Year-Olds (March 2025)
The payment schedule for March follows the same structure:
📅 March 3, 2025 – If you started receiving benefits before May 1997 or receive both SSI and retirement benefits.
📅 March 12, 2025 – If you were born between the 1st and 10th.
📅 March 19, 2025 – If you were born between the 11th and 20th.
📅 March 26, 2025 – If you were born between the 21st and 31st.
Since payments are distributed based on birth dates and benefit start dates, it’s important to check where you fall on the schedule.
Interesting Facts About Social Security at 66
💡 66 Isn’t FRA for Everyone – While many think 66 is Full Retirement Age (FRA), it depends on your birth year. Those born in 1959 have an FRA of 66 years and 10 months, and those born in 1960 or later have an FRA of 67.
💡 You Can Still Work While Collecting Social Security – If you haven’t reached FRA yet, working while receiving benefits could reduce your payments if you exceed the earnings limit.
💡 Spousal Benefits Can Be a Smart Strategy – If you are married or divorced (but were married for at least 10 years), you may be able to claim spousal benefits, which can be up to 50% of your spouse’s FRA benefit.
💡 Delaying Social Security Past 66 Increases Your Benefits – For every year you delay claiming benefits past FRA (up to age 70), your check increases by 8% per year.
FAQs About Social Security Payments at 66
I turned 66 this year. When will I receive my first Social Security check?
It depends on when you filed. If you recently applied, you should receive your first check about one month after approval, based on the SSA’s regular payment schedule.
Can I still work while collecting Social Security at 66?
Yes! If you have reached FRA, you can work and earn as much as you want without your benefits being reduced. If you are below FRA, there are earnings limits that may reduce your benefits.
Will I get a higher payment if I wait to claim Social Security past 66?
Yes! Delaying benefits beyond FRA increases your payments by 8% per year until age 70.
What happens if I miss my scheduled Social Security payment?
First, check with your bank. If the issue persists, contact the SSA at 1-800-772-1213 or visit a local Social Security office.
How do I change my Social Security payment method?
You can update your payment method to direct deposit through your my Social Security account online or by calling the SSA.
If you’re 66 years old and collecting Social Security, understanding your payment schedule and options is crucial. Whether you’re planning for the future or currently receiving benefits, staying informed ensures you get the most out of your retirement income.