In two days, millions of retired seniors will receive their September Social Security payments, which are worth up to $4,555.

The payments will be the second of three waves of Social Security payments for the month, with Wednesday's payments being for people born between the 11th and 20th of their birth month. Social Security payments begin on the second Wednesday of every month, with each other wave going out the following week.

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People who were born between the first and 10th of their birth month received their payment last Wednesday. Those born on or after the 21st of the month will receive their payments on Sept. 27.

Seniors who receive both Supplemental Security Income and Social Security benefits, seniors who retired before 1997, and retirees who live outside of the country received their payments on Sept. 7.

The age of recipients at the time of retirement, the amount paid into Social Security, and the number of years paid into Social Security all affect the maximum payment retirees receive.

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Payments largely rely on what age recipients choose to retire — retiring at the youngest age of 62 allows up to $2,572 per month, while delaying to 70 can allot up to $4,555 per month, according to the Social Security Administration.

Those totals will shrink come 2034 unless Congress takes some action to prevent it. Analysts estimate that the Social Security Administration will no longer be able to give out full payments to recipients as early as 2034 due to a rising number of retirees and a shrinking number of workers.