Starting January 2025, Social Security recipients are seeing noticeable increases in their monthly benefits, thanks to changes in government policies and cost-of-living adjustments (COLA). If you’re wondering whether you’ll receive the $1,980 or $3,065 payouts making headlines, here’s a breakdown of what’s happening and who qualifies.
What’s Behind the Increase?
Two major changes are driving this boost in Social Security checks:
- Repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)
These provisions previously reduced Social Security benefits for certain public workers, including teachers, police officers, and firefighters, who also received government pensions. Many of these workers had their Social Security payments slashed or entirely withheld under the old rules.
In January 2025, President Joe Biden signed the Social Security Fairness Act, eliminating WEP and GPO. This change means about 3 million retirees in the public sector will now get higher Social Security benefits. For some, this could mean monthly increases ranging from $360 to over $1,190.
- A 2.5% Cost-of-Living Adjustment (COLA)
In addition to the repeal of WEP and GPO, Social Security checks are rising due to the annual cost-of-living adjustment. In 2025, COLA has been set at 2.5%. While this may sound modest compared to previous years, it still means more money in your pocket.
- The average monthly benefit for retired workers will rise to $1,976, up from $1,927 in 2024.
- The maximum benefit for retirees reaching full retirement age will now be $4,018 per month.
- For those who delay retirement until age 70, benefits could reach as high as $5,108 monthly.
Where Do the $1,980 and $3,065 Amounts Come From?
The $1,980 and $3,065 benefit figures are tied to individual earnings histories, retirement ages, and whether recipients qualify under the new Social Security Fairness Act. To see if you’ll get these amounts or more, check your personal benefit estimate using your “my Social Security” account. The tool offers personalized calculations based on your work and earnings record.
Potential Delays in Payments
Although the increases are official, some recipients may not see the full benefit right away. The Social Security Administration (SSA) has warned that due to administrative challenges and funding issues, it could take over a year for some beneficiaries to receive their complete increase. However, payments will be retroactive, meaning you won’t miss out on any money you’re owed.
What Should You Do Next?
Stay informed by regularly checking your “my Social Security” account or visiting the official SSA website for updates. If you’re unsure about how these changes affect you, contacting the SSA directly or consulting a financial advisor can help ensure you’re maximizing your benefits.
With millions set to receive higher payouts, 2025 is shaping up to be a year of financial relief for many Social Security recipients. The key to getting the most out of your benefits is staying proactive and informed. Will you be one of the recipients seeing a bigger check this year?
