Social Security Payments Are Hitting Record Highs in 2025—Here’s What You Need to Know

If you’re on Social Security, you’re about to get a little extra in your monthly check. Starting in 2025, benefits are increasing, which means more money in your pocket. Whether you’re already receiving Social Security or planning to retire soon, here’s what you should know.

How Much More Will You Get?

Each year, Social Security adjusts payments to keep up with inflation. In 2025, benefits will go up by 2.5%, which means:

• The average monthly check will increase from $1,927 to $1,976
• If you wait until age 70 to retire, you could receive up to $5,108 per month

It’s not the biggest increase we’ve seen, but with rising costs for groceries, rent, and healthcare, every dollar counts.

SSI Payments Are Increasing Too

If you receive Supplemental Security Income (SSI), you’ll also see a boost:

• Individuals will now get $967 per month
• Couples will receive $1,450 per month

This increase is meant to help people on fixed incomes keep up with the cost of living.

Big News for Retired Public Workers

A major change in 2025 is the repeal of two rules that reduced Social Security benefits for public workers:

• Windfall Elimination Provision (WEP)
• Government Pension Offset (GPO)

These rules affected people like teachers, firefighters, and police officers who also received a pension. Now, those cuts are being eliminated, meaning:

• Over 3 million retired public workers will get their full Social Security benefits
• Some will see their monthly checks increase by $1,000 or more

If you’re a retired public worker, this could mean a big difference in your monthly income.

Retirement Age Is Changing

If you’re planning to retire soon, keep in mind that the Full Retirement Age (FRA) is now 67 for people turning 62 in 2025.

• Claiming benefits before 67 means your monthly payments will be smaller
• Waiting until 70 could increase your benefits by up to 8% per year

If you can afford to wait, delaying retirement could mean a much larger monthly check.

What Should You Do Now?

• Check your updated Social Security benefits online
• Think about delaying retirement if you want bigger payments
• If you’re a retired public worker, find out if your benefits are increasing

With record-high Social Security payments on the way, now is the time to review your retirement plan and make sure you’re getting every dollar you deserve.