This week, married couples in the U.S. will receive Social Security payments of up to $2,909, thanks to a recent update in the benefits system. The amount combines the average Social Security benefit for retired workers ($1,978) with the spousal benefit, which averages around $931. This total reflects a 2.5% increase as part of the 2025 Cost-of-Living Adjustment (COLA), which was implemented to help beneficiaries cope with inflation.
When Will You Receive Your Payment?
The Social Security Administration (SSA) releases payments on a staggered schedule, depending on when your birthday falls. Here’s how it works:
- If your birthday falls between the 1st and 10th of the month, you will receive your payment on the second Wednesday of each month.
- If your birthday falls between the 11th and 20th, your payment will come on the third Wednesday.
- If your birthday falls between the 21st and 31st, your payment is scheduled for the fourth Wednesday of the month.
For example, in March 2025, the payment dates are:
- March 12th: For those born between the 1st and 10th.
- March 19th: For those born between the 11th and 20th.
- March 26th: For those born between the 21st and 31st.
However, if you began receiving benefits before May 1997 or if you are receiving both Social Security and Supplemental Security Income (SSI), you might get your payment on the 3rd of each month. If the 3rd is a weekend or holiday, the payment is made on the nearest business day.
Are You Eligible for the Spousal Benefit?
Many couples can take advantage of spousal benefits, which are designed to help the lower-earning spouse. To qualify for spousal benefits:
- You must be at least 62 years old or caring for a child under 16 who has a disability.
- You can receive up to 50% of your spouse’s Social Security benefit if you claim the benefit at full retirement age.
- If you begin claiming benefits before your full retirement age, the spousal benefit amount will be reduced.
How to Maximize Your Social Security Benefits
To make sure you are getting the maximum benefits you’re eligible for, here are some tips:
- Confirm Eligibility: Double-check that you and your spouse qualify for retirement and spousal benefits.
- Know Your Payment Schedule: Make sure you know when to expect your payment based on your birth date and type of benefits.
- Delay Retirement Benefits: If possible, delay your benefits beyond full retirement age to receive larger monthly payments.
For more specific information tailored to your situation, it’s a good idea to log in to your “my Social Security” account or contact the SSA directly. Staying on top of your benefits can help ensure you’re getting all the financial support you deserve.
