On April 9, 2025, the Social Security Administration (SSA) began issuing payments that include a 2.5% Cost-of-Living Adjustment (COLA), effective from January 2025. This adjustment aims to help beneficiaries keep pace with inflation and rising living costs.
Who Qualifies for the April 9 Payment?
The April 9 payment was specifically for Social Security beneficiaries born between the 1st and 10th of any month. These individuals began receiving Social Security benefits at age 62. The maximum monthly benefit for someone retiring at age 62 in 2025 is $2,831, though actual amounts vary based on lifetime earnings and the age at which benefits are claimed.
How Much Will You Receive?
The 2.5% COLA increase means that the average monthly Social Security benefit will rise by approximately $50, bringing the average monthly payment to around $1,976. Individuals who retire at age 70 can receive up to $5,108 per month, while those retiring at full retirement age (67) can receive up to $4,018 per month. Early retirees at age 62 can receive up to $2,831 per month.
Payment Schedule for April 2025
Social Security payments are issued based on beneficiaries’ birth dates:
- April 9: Birth dates between the 1st and 10th
- April 16: Birth dates between the 11th and 20th
- April 23: Birth dates between the 21st and 31st
Supplemental Security Income (SSI) payments are typically disbursed on the 1st of each month, or the Friday before if the 1st falls on a weekend or holiday.
No Action Required
Beneficiaries do not need to take any action to receive the COLA-adjusted payments. The SSA automatically adjusts monthly benefit amounts to reflect the COLA increase. Payments will be made via direct deposit or mailed checks, depending on the recipient’s preference.
What If You Didn’t Receive Your Payment?
If you didn’t receive your payment on the expected date, the SSA advises:
- Wait at least three additional mailing days.
- Check the status of your payment through your.
- Contact your bank to inquire about any delays.
- If the issue persists, call the SSA at 1-800-772-1213.
Additional Changes in 2025
Several other changes to Social Security in 2025 include:
- Maximum Taxable Earnings Cap: The cap has increased to $176,100, meaning higher-income individuals will pay more in Social Security taxes.
- Full Retirement Age: The full retirement age is gradually increasing, affecting when individuals can claim full benefits.
- Social Security Fairness Act: Signed into law in January 2025, this act repeals the Windfall Elimination Provision and Government Pension Offset, potentially increasing benefits for certain retirees, such as public sector workers.
Conclusion
The 2.5% COLA increase in 2025 provides essential financial relief to Social Security beneficiaries, helping them manage the rising cost of living. By understanding the payment schedule and staying informed about changes to the system, beneficiaries can ensure they receive the full benefits to which they’re entitled.
