In the US, people see headlines like $4983 Direct Deposit Coming. Many might think of this $4983 as a new one time payment or bonus payment but the truth is different. This $4983 is part of the regular social security retirement program.
At the FRA which is currently at 67 years for those who were born in 1960 or later, retirees can get $4018 per month. But if this same retiree chooses to delay their payment until age 70 then the SSA increases the benefit by 8% each year. This can adds up to a 24% extra and this results into $4982.32 which is approximately $4983 payment.
$4983 Direct Deposit Coming for Everyone
The $4983 Direct Deposit Coming is not a random or surprise payment. This payment is a result of a strategic decision by some retirees who chose to delay their Retirement payment until age 70.
By doing this, the retirees can unlock 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 years to claim this benefit.
Eligibility Criteria for $4983 Direct Deposit
The $4983 is part of the SSA Retirement Benefit 2025 and the rules applies to this benefit are:
- The retiree must reach the FRA and must delay the benefit until age 70 years.
- The retiree must be entitled to get the maximum benefit amount.
- The retiree must have a long work history which means a retiree in their working age must have paid taxes for 35 years or more.
- Usually the retiree can start at age 62 years but for this $4983 delayed payment, the retiree must delay the benefit until age 70.
U.S. Retirement Benefit Payment Dates
The $4983 is part of the delayed retirement payment and this delayed payment would be paid as per 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 show $4983 is soon coming. But various updates show that the $4983 is part of the delayed retirement payment and this is partially correct. The $4983 figure comes from taking the 2025 FRA amount of $4018 and adding 24% delayed benefit for waiting until age 70 years. But this number does not add the COLA of 2.5%.
When this COLA is applied then the FRA amount increases and results in $5108 per month payment after applying a 24% raise also. It means $4983 is not fully reliable max payment for retirees and if they choose to delay to 70 years and get this benefit in 2025 then they would qualify to get $5108 per month.
FAQs
Is the $4983 the official SSA Max Retirement Payment 2025 for retirees aged 70 years?
No, if someone qualifies for full max payment then the retirees aged 70 years would get $5108 under the SSA Max Retirement Payment 2025.
How much raise is provided to the retirees if they chose to defer their US Retirement Payment 2025?
If retiree chose to defer their US Retirement Payment 2025 then for each year they get 8% raise which means till 70 years age delay, a total of 24% raise would be provided.
Where can US residents know more on SSA Retirement Delayed Benefits 2025?
US residents can know more on SSA Retirement Delayed Benefits 2025 via ssa.gov official page.