Millions of Americans receiving Social Security benefits are set to see a boost in their monthly payments in 2025. The Social Security Administration (SSA) has announced an increase of up to $100 per month, thanks to the annual Cost-of-Living Adjustment (COLA).
This adjustment is designed to help beneficiaries keep up with inflation and rising costs of living. If you receive Social Security, Supplemental Security Income (SSI), or Social Security Disability Insurance (SSDI), you may notice a higher payment amount starting in January 2025. But how much will you get, and when? Here’s what you need to know.
Why Are Social Security Payments Increasing?
Every year, the SSA makes adjustments to Social Security payments based on inflation. This is known as the Cost-of-Living Adjustment (COLA), and it ensures that seniors, disabled individuals, and other recipients do not lose their purchasing power as the cost of goods and services rises.
For 2025, experts predict a COLA increase of about 3% to 3.5%. While the exact amount depends on individual benefits, some recipients may see an increase of up to $100 per month in their Social Security payments.
Who Will Get the Increase?
If you currently receive any form of Social Security benefits, you will automatically qualify for this increase. The adjustment applies to:
- Retired workers receiving Social Security
- People receiving Supplemental Security Income (SSI)
- Social Security Disability Insurance (SSDI) beneficiaries
- Survivors and dependents of deceased workers
The exact amount of increase varies based on how much you currently receive. Those with higher monthly benefits will see a bigger increase, while those with lower payments will see a smaller boost.
When Will You Receive Your Increased Payment?
Social Security follows a strict payment schedule based on birth dates. Here’s when you can expect your 2025 payments:
- If your birthday falls between the 1st and 10th of the month, you’ll receive your payment on the second Wednesday of each month.
- If your birthday is between the 11th and 20th, expect your payment on the third Wednesday.
- For those born between the 21st and 31st, payments arrive on the fourth Wednesday.
For SSI recipients, payments are typically sent on the first of each month. If the first falls on a weekend or holiday, you may receive your payment on the previous business day.
How to Check Your New Payment Amount
To find out exactly how much you will receive in 2025, you can:
- Log into your online Social Security account at SSA.gov.
- Look for your COLA notice in the mail from the SSA.
- Call the SSA customer service hotline for assistance.
Beware of Scams
Whenever there are changes to Social Security benefits, scammers try to take advantage of unsuspecting recipients. The SSA will never call, email, or text you asking for personal information. If you receive a message claiming to be from the SSA requesting personal details, it is likely a scam. Always verify information by contacting the SSA directly through official channels.
What This Means for You
While the increase may not be huge, every extra dollar counts—especially for those living on fixed incomes. With inflation affecting daily expenses, this adjustment will help Social Security recipients keep up with rising costs.
Make sure to check your payment schedule and stay updated on any further announcements from the SSA regarding your benefits.
