Sammy
Retired Americans may be eligible for a Social Security benefit of up to $5,108 starting June 3, 2025, if they meet strict eligibility criteria.
While many will receive lower payments, those who fulfill every requirement could secure this maximum monthly payout.
Let’s break down who can get this amount and how they qualify.
Eligibility for the $5,108 Social Security Payment
To receive the maximum amount of $5,108 per month, beneficiaries must meet very specific criteria.
Importantly, this amount excludes Supplemental Security Income (SSI) recipients, as SSI is income-based and designed for low-income individuals.
While SSI beneficiaries can still expect a direct deposit or check on June 3, their amount will generally be lower than the average retirement benefit of $1,999.
Key Requirement to Qualify for the June 3 Payment
You must have started collecting Social Security benefits before May 1997 to receive your payment on June 3. However, just this factor won’t guarantee the full $5,108—more conditions apply.
How to Qualify for the Maximum $5,108 in 2025
To be eligible for the maximum Social Security retirement payment, several additional requirements must be satisfied:
Retirement Age
- You must have filed for benefits at age 70.
- Filing at 70 allows for delayed retirement credits that increase benefits by about 8% annually past Full Retirement Age (FRA).
- Filing before 70 disqualifies you from receiving the full $5,108.
Work History
- You must have worked for at least 35 years.
- These years must be covered by Social Security, meaning you paid FICA taxes during your employment.
Earnings Threshold
- You must have earned at or above the taxable maximum limit for each of the 35 years.
- This limit, known as the contribution and benefit base, increases annually with COLA and inflation adjustments.
Requirements to Receive $5,108 from Social Security
| Requirement | Details |
|---|---|
| Retirement Filing Age | Must file at 70 years old |
| Work Duration | At least 35 years |
| Job Type | Covered by Social Security taxes |
| Annual Earnings | Must earn the taxable maximum for 35 years |
| Initial Benefit Start Date | Must be receiving benefits before May 1997 |
| SSI Recipient | Not eligible for the $5,108 maximum |
Why Most People Won’t Get the Full Amount
Though the $5,108 benefit is possible, it is rare. Most retirees don’t meet all the outlined requirements, especially maintaining the maximum taxable income for 35 consecutive years.
This high threshold makes the benefit exclusive to a very small percentage of retirees.
To secure the maximum $5,108 Social Security check on June 3, 2025, retirees must have met a perfect set of conditions: early filing before May 1997, working for 35 years in SSA-covered employment, retiring at age 70, and consistently earning above the taxable maximum.
While most won’t reach this milestone, understanding these benchmarks can help you optimize your future benefits.
FAQs
Can SSI recipients receive $5,108 from Social Security?
No. SSI recipients are income-restricted and cannot receive the maximum $5,108 retirement benefit due to eligibility limits.
What happens if I only worked 30 years under Social Security?
You won’t qualify for the full benefit. Social Security uses a 35-year average—fewer years reduce your average earnings, lowering your benefit.
What is the taxable maximum for 2025?
While the exact 2025 figure depends on COLA adjustments, the 2024 maximum was $168,600, and it typically increases annually.