$4983 Direct Deposit Coming for Everyone: In the US, people see headlines like “Direct Deposit of $4983”. Many people may mistake this $4983 for a one-time payment or bonus payment, but the truth is something else. This $4983 is part of the regular Social Security retirement program.
The current age limit for people born in 1960 or later is 67 years, so retirees can receive $4018 per month. But if this same retiree chooses to defer his payments until age 70, the SSA increases the benefit by 8% every year. This can lead to an additional amount of 24%, which is equal to $4982.32, which is a payment of about $4983.
Direct deposit of $4983 for everyone
The direct deposit of $4983 is not a sudden or unexpected payment. This payment is the result of a strategic decision made by some retirees who decided to defer their retirement payments until age 70.
By doing so, retirees can receive the maximum benefit under the SSA retirement payment. Not everyone will receive this amount. The $4983 figure applies only to those who earned the maximum taxable income for 35 years and waited until age 70 to claim this benefit.
Eligibility Criteria for $4983 Direct Deposit
$4983 is part of the SSA Retirement Benefit 2025 and the rules applicable to this benefit are as follows:
- The retiree must have attained the FRA age and must receive benefits until age 70.
- The retiree must be eligible to receive the maximum benefit amount.
- The retiree must have a long work history, which means the retiree must have paid taxes for 35 years or more during his working life.
- Usually the retiree can start paying taxes at age 62, but for this $4983 delayed payment, the retiree must receive benefits until age 70.
US Retirement Benefit Payment Dates
$4,983 is part of the delayed retirement payment and this delayed payment will be made according to the regular schedule:
| Birth Date Between 1st – 10th | Birth Date Between 11th – 20th | Birth Date Between 21st – 31st |
|---|---|---|
| 8th January 2025 | 15th January 2025 | 22nd January 2025 |
| 12th February 2025 | 19th February 2025 | 26th February 2025 |
| 12th March 2025 | 19th March 2025 | 26th March 2025 |
| 9th April 2025 | 16th April 2025 | 23rd April 2025 |
| 14th May 2025 | 21st May 2025 | 28th May 2025 |
| 11th June 2025 | 18th June 2025 | 25th June 2025 |
| 9th July 2025 | 16th July 2025 | 23rd July 2025 |
| 13th August 2025 | 20th August 2025 | 27th August 2025 |
| 10th September 2025 | 17th September 2025 | 24th September 2025 |
| 8th October 2025 | 15th October 2025 | 22nd October 2025 |
| 12th November 2025 | 19th November 2025 | 26th November 2025 |
| 10th December 2025 | 17th December 2025 | 24th December 2025 |
Latest Update on $4983 Direct Deposit
Various online updates suggest that $4983 is coming soon. But several updates state that $4983 is part of the delayed retirement payment and this is partially correct. The $4983 figure is derived by taking the 2025 FRA amount of $4018 and adding the 24% delayed benefit if you wait until age 70. But the 2.5% COLA is not added to this number.
When this COLA is applied, the FRA amount increases and even after the 24% increase, you still get a payment of $5108 per month. This means that $4983 is not the fully creditable maximum payment for retirees and if they choose to delay until age 70 and receive this benefit in 2025, they will be eligible to receive $5108 per month.
FAQs
Q 1. Is the official SSA maximum retirement payment in 2025 $4983 for retirees who attain the age of 70?
No, retirees who attain the age of 70 will receive $5,108 under the SSA maximum retirement payment 2025, if they are eligible for the full maximum payment.
Q 2. If retired employees choose to defer their US retirement payment in 2025, how much of an increase will be provided to them?
If retired employees choose to defer their US retirement payment in 2025, they will get an increase of 8% every year, i.e. a total increase of 24% will be provided until the age of 70.
Q 3. Where can US residents get more information about SSA Retirement Delayed Benefits 2025?
US residents can get more information about SSA Retirement Delayed Benefits 2025 through the official page of ssa.gov.
