Social Security Payments Just Got Bigger—Here’s How Much You’ll Get in 2025

If you rely on Social Security to cover your monthly expenses, you’re probably wondering what the 2025 cost-of-living adjustment (COLA) means for your benefits. The good news? Starting this year, Social Security recipients are getting a 2.5% increase in their monthly payments, which could mean an extra $49 to $100 per month. While it’s not a life-changing raise, every little bit helps—especially when prices for everyday essentials like groceries and utilities keep going up. Let’s dive into the details.

How Much More Money Will You Get?

The exact amount of your increase depends on your current benefit amount. On average, retirees will see an additional $50 per month, but the increase could be larger for those who receive higher benefits.

• For example: If you currently receive $2,000 a month, your new benefit will be about $2,050, giving you an extra $600 over the course of the year.
• SSI recipients: If you receive Supplemental Security Income (SSI), your maximum monthly payment will increase to $967 for individuals and $1,450 for couples in 2025.

While it’s not a huge jump, it’s designed to help offset rising costs caused by inflation. And when you’re living on a fixed income, even a modest increase can make a difference.

Who Qualifies for the COLA Increase?

The 2.5% COLA increase automatically applies to most people receiving Social Security benefits, including:

• Retirees: Anyone collecting Social Security retirement benefits
• Disabled individuals: Those receiving Social Security Disability Insurance (SSDI)
• Survivors: Widows, widowers, and other family members eligible for survivor benefits
• SSI recipients: Individuals who receive Supplemental Security Income (a program designed to help low-income people who are aged, blind, or disabled)

The good news is you don’t need to do anything to get the increase—it will be automatically added to your monthly payments.

When Will You See the Increase?

For most beneficiaries, the 2.5% increase started with January 2025 payments. If you receive SSI, you may have already seen the increase since it was included in the December 31, 2024, payment.

If you haven’t noticed the boost yet, check your bank account or the direct deposit details of your latest payment. Still unsure? You can always log into your “my Social Security” account online to view the exact amount of your benefits.

How to Check Your New Benefit Amount

The Social Security Administration (SSA) sent out COLA notices in December 2024, either by mail or through your online account. If you didn’t receive one or misplaced it, don’t worry—here’s how you can find out your new benefit amount:

1. Log into your “my Social Security” account: This is the fastest way to see your updated benefit amount and payment dates.
2. Check your mail: If you opted for a mailed notice, you should have received one in late December.
3. Contact the SSA: If you still have questions or haven’t seen an increase, you can contact the SSA directly for clarification.

Why Is the COLA Increase Important?

The cost-of-living adjustment is meant to help Social Security benefits keep up with inflation. While last year’s increase was higher (due to soaring inflation), 2025’s 2.5% increase still provides some relief. The adjustment is especially important for retirees and those on fixed incomes, as everyday costs—like food, rent, and healthcare—have continued to rise.

For many retirees, Social Security is a lifeline. Even a $50 or $100 increase can help cover basic expenses like utility bills, prescriptions, or transportation costs.

Maximizing Your Social Security Benefits

If you’re looking for ways to make the most of your Social Security income, here are a few tips to consider:

• Review your budget: With the COLA increase, now might be a good time to review your monthly expenses and adjust your budget accordingly.
• Delay benefits if you can: If you’re not yet retired, consider waiting to claim benefits until full retirement age—or even later—to maximize your monthly payments.
• Check for other assistance programs: Depending on your income level, you may qualify for additional benefits or programs, such as SNAP (food assistance) or Medicaid.