Social Security beneficiaries are set to receive bigger checks in 2025, thanks to a cost-of-living adjustment (COLA). The new adjustment means some recipients—especially surviving spouses—will see monthly deposits of up to $1,832 in their bank accounts.
This increase is part of the annual COLA, which helps Social Security payments keep up with inflation. For 2025, the adjustment is 2.5%, ensuring that seniors and other beneficiaries don’t lose purchasing power as the cost of goods and services rises.
Who Will Receive the $1,832 Payments?
The $1,832 figure applies mainly to survivors collecting Social Security benefits. These are individuals who have lost their spouse and are receiving payments based on their late partner’s work history.
However, not all survivors will receive the exact same amount. The actual payment depends on:
- The deceased spouse’s earnings history
- The survivor’s age when claiming benefits
- Whether the survivor has their own Social Security benefits
Do You Qualify for Survivor Benefits?
To be eligible for survivor benefits, you need to meet certain criteria:
- You must have been married to the deceased for at least nine months (exceptions apply for military service or accidents).
- You must be at least 60 years old (or 50 if disabled). If you are caring for the deceased’s child who is under 16 or disabled, there is no minimum age requirement.
- The deceased spouse must have earned enough Social Security credits through their work history.
How to Apply for Survivor Benefits
If you believe you qualify for these benefits, it’s best to contact the Social Security Administration (SSA) as soon as possible. Applications can be submitted online, over the phone, or in person at a local SSA office.
To speed up the process, make sure to have the following documents ready:
- The deceased spouse’s death certificate
- Your marriage certificate
- Proof of your age and U.S. citizenship
Direct Deposits: The Fastest Way to Get Your Money
The SSA requires all Social Security payments to be made electronically. That means you’ll receive your money via:
- Direct deposit to your bank account
- A Direct Express® Debit Mastercard® if you don’t have a bank account
Direct deposit is the safest and fastest way to get your Social Security payments. If you haven’t already set it up, you can do so through your “my Social Security” account on the SSA website.
Stay Updated on Your Benefits
Changes to Social Security benefits happen every year, so it’s important to stay informed. Keeping track of COLA increases, payment schedules, and eligibility rules can help ensure you’re getting the most out of your benefits.
To check your 2025 payment amount, visit the Social Security Administration’s website or log in to your “my Social Security” account today!
