The Social Security Administration has made a major announcement regarding the increase in Social Security checks for 2025. With a 2.5% increase, beneficiaries will receive higher monthly payments starting in January 2025.
This article explains the details of the increase and how it will affect Social Security retirement, survivor, disability, and SSI benefits.
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2.5% COLA Increase for Social Security Beneficiaries
In 2025, Social Security beneficiaries will see a 2.5% increase in their monthly checks. This increase applies to retirement, survivor, and disability benefits, as well as Supplemental Security Income (SSI) payments.
The 2.5% Cost-of-Living Adjustment (COLA) aims to help beneficiaries keep up with inflation and rising costs.
Monthly Benefits Starting January 2025
The COLA increase will result in higher monthly payments for beneficiaries. Below is a breakdown of the new monthly amounts for different groups, effective January 2025:
| Benefit Type | Current Payment | Increased Payment | Extra Income |
|---|---|---|---|
| Retirement Benefits | $1,900 | $1,948 | $48 |
| Survivor Benefits (Avg.) | $1,505 | $1,543 | $38 |
| Disability Benefits (Avg.) | $1,537 | $1,575 | $38 |
| SSI Benefits (Individuals) | $698 | $715 | $17 |
Changes to COLA Notices
The Social Security Administration introduced a new format for COLA notices in 2025. The new one-page notice will provide beneficiaries with clear and concise information about their benefits, including payment amounts and deductions.
The notice is designed to be user-friendly, with straightforward language to help beneficiaries easily understand their benefit details.
How to Receive Your COLA Notice
In 2025, beneficiaries can expect to receive their COLA notice either online or through the mail. To access the online notice, beneficiaries must have a “My Social Security” account.
By November 20, 2024, individuals should create or update their account to receive their notice online. For those who prefer traditional mail, the notice will be sent in December.
| Benefit Type | Current Payment | 2025 Payment | Monthly Increase |
|---|---|---|---|
| Disability Benefits (Blind) | $2,590 | $2,655 | $65 |
| SSI Benefits (Couples) | $1,415 | $1,450 | $35 |
| Survivor Benefits (2 Children) | $3,653 | $3,744 | $91 |
| SSI Benefits (Essential) | $472 | $484 | $12 |
Accessing Your Social Security Information
Beneficiaries are encouraged to take advantage of the online services offered by the Social Security Administration. By using a My Social Security account, individuals can securely access their benefit details, update personal information, and receive important notices faster.
Online access also allows users to view their COLA notice and other relevant updates without waiting for physical mail.
FAQs
How much will my Social Security payment increase in 2025?
The increase will be 2.5%, with the average monthly payment rising by $48 for retirement benefits, $38 for survivor benefits, and $38 for disability benefits. SSI payments will increase by $17 for individuals.
When will the 2025 Social Security COLA notice be sent?
The 2025 COLA notice will be available online in late November 2024. Those who prefer receiving it by mail will get it in December 2024.
How do I access my 2025 COLA notice online?
To access your COLA notice online, you must create a My Social Security account by November 20, 2024. This account will give you secure access to your benefit information and COLA notice.
Will the new COLA notice be easier to understand?
Yes, the new COLA notice is designed to be simpler and more user-friendly. It includes clear, one-page information about your benefits, deductions, and payment dates.
Are there any changes to Medicare information in the 2025 COLA notice?
Yes, information regarding 2025 Medicare changes will also be included for beneficiaries who are enrolled in Medicare.
