Many 64-year-olds have yet to receive their Social Security payment this February. However, there’s no need to worry, as the Social Security Administration (SSA) has scheduled additional payment dates throughout the month. Those still waiting for their retirement benefits may see their payment soon, depending on their birth date and eligibility requirements.
Although these upcoming Social Security payments are not exclusively for 64-year-olds, beneficiaries of different ages will receive varying amounts based on their earnings history. Thanks to the 2025 Cost of Living Adjustment (COLA), retirees will notice a 2.5% increase in their payments compared to 2024, ensuring a modest boost in their monthly benefits.
Who Will Receive a Social Security Payment Next Week?
The SSA has outlined specific requirements for beneficiaries to receive their February 12 payment. To qualify for this particular payment date, retirees must:
- Have started collecting Social Security after April 30, 1997.
- Not be receiving Supplemental Security Income (SSI).
- Have a birth date between the 1st and 10th of any month.
If you meet these conditions, you can expect your Social Security check to arrive on February 12. However, not all retirees will receive their payment on this date. Those born later in the month will need to wait for their designated payday.
For instance, if you were born between the 11th and 20th, your payment will be issued on February 19. Meanwhile, the final group—those born between the 21st and 31st—will receive their benefits on February 26.
How Much Will 64-Year-Olds Receive in Social Security Benefits?
The average monthly payment for 64-year-olds in 2025 is estimated to be around $1,471, though individual benefits vary based on lifetime earnings, work history, and retirement age. The recent COLA increase has slightly boosted payments compared to last year, offering additional financial relief for retirees.
Should You Claim Social Security at 64 or Wait?
Many 64-year-olds have yet to claim Social Security, leaving them with an important decision—when to file for benefits. While it’s possible to start collecting now, delaying retirement could significantly increase future payments.
Waiting until Full Retirement Age (FRA), which is currently between 66 and 67 depending on birth year, allows retirees to receive 100% of their entitled benefits. Those who delay filing even longer—up to age 70—can benefit from delayed retirement credits, which increase monthly payments by approximately 8% per year. Filing at 70 instead of 64 can result in substantially higher Social Security checks.
For retirees who need immediate income, claiming at 64 might be necessary. However, those who can afford to wait will see greater financial rewards in the long run.
Final Thoughts
If you’re 64 and waiting for your Social Security payment, be sure to check your birth date and eligibility. Payments are still being issued throughout February, with three more paydays scheduled. Additionally, if you haven’t claimed benefits yet, consider whether delaying your filing could lead to a higher monthly check in the future.