Millions of Americans receiving Social Security and Social Security Disability Insurance (SSDI) benefits can expect an increase in their monthly payments in 2025. Thanks to the latest Cost-of-Living Adjustment (COLA), payments have been raised to help beneficiaries keep up with inflation.
The Social Security Administration (SSA) has confirmed that payments will rise by 2.5% in 2025, pushing the average monthly benefit from $1,927 to $1,976. For those who have delayed retirement until age 70, the maximum possible payment has increased to $5,108 per month—a significant boost from last year’s $4,873.
Who Qualifies for These Benefits?
If you’re wondering whether you’re eligible for Social Security or SSDI payments, here’s what you need to know:
Social Security Retirement Benefits
- You must have worked for at least 10 years (earning 40 work credits).
- Full Retirement Age (FRA) is 67 for those born in 1960 or later.
- You can claim benefits as early as 62, but this will reduce your monthly payment.
- If you delay retirement until age 70, your payments increase significantly.
SSDI Benefits
- You must have worked long enough to earn the required work credits (typically 20 credits in the last 10 years).
- You must have a medical condition that prevents you from working and is expected to last at least one year or result in death.
When Will You Get Paid in 2025?
Social Security and SSDI payments are distributed based on your birth date:
- Born 1st–10th → Paid on the second Wednesday of the month
- Born 11th–20th → Paid on the third Wednesday of the month
- Born 21st–31st → Paid on the fourth Wednesday of the month
For example, if your birthday falls between the 1st and 10th, you’ll receive your January 2025 payment on January 8. If you were born between the 11th and 20th, your payment will arrive on January 15. Those born after the 21st will receive theirs on January 22.
Final Thoughts
If you rely on Social Security or SSDI benefits, this increase in payments could provide much-needed financial relief. Be sure to check your eligibility, keep track of your payment schedule, and plan accordingly for 2025.
