With the 2025 Cost-of-Living Adjustment (COLA) increase, millions of Americans will see a 2.5% boost in their Social Security benefits starting in January 2025. Although the increase won’t take effect until next year, retirees can already check their upcoming benefit amounts.
The Social Security Administration (SSA) will send official notices in December 2024, informing recipients of their new payment amounts. Beneficiaries can also log in to their my Social Security account to view the updated figures.
COLA Impact on Couples
As of January 2024, aged couples who were both receiving Social Security benefits received an average check of about $3,014 per month. Following the 3.2% COLA increase in 2024, this amount grew slightly. However, the 2025 COLA will bring a more modest increase of 2.5%.
In 2025, after the COLA adjustment, couples where both spouses receive Social Security will see their average monthly payments rise to approximately $3,089. This modest boost helps retirees keep up with rising living costs.
Eligibility for Spousal Benefits
Couples can file for Social Security as early as age 62, provided they’ve worked for at least ten years and earned enough work credits. Some spouses can also receive spousal benefits, which are based on their partner’s work history.
2025 Payment Schedule for Retired Couples
The Social Security Administration has confirmed that payments reflecting the 2025 COLA increase will begin on January 3, 2025. To be eligible for this early payment, you must meet certain criteria:
- You began receiving Social Security before May 1997.
- You receive Supplemental Security Income (SSI) in addition to Social Security.
- You are not eligible for other retirement benefits in January.
- You have complied with all SSA rules.
If you don’t qualify for the January 3 payment, there are additional payment dates depending on your birthdate:
- January 8: For those born between the 1st and 10th.
- January 15: For those born between the 11th and 20th.
- January 22: For those born between the 21st and 31st.
Thanks to the 2025 COLA increase, aged couples who both receive Social Security benefits will see their monthly payments rise to an average of $3,089 starting in January 2025.
This increase, though smaller than previous years, helps retirees manage the rising costs of essentials like housing and healthcare. Keep an eye on your my Social Security account or your December notice to check your updated payment amount.
FAQs
When will the 2025 COLA take effect?
The COLA increase will take effect starting January 2025.
How much will aged couples receive in 2025?
Aged couples both receiving Social Security will receive an average of $3,089 per month.
How do I check my updated Social Security amount for 2025?
You will receive a notice from the SSA in December or you can check your my Social Security account online.
What if I don’t qualify for the January 3 payment?
You may receive your payment on January 8, 15, or 22, depending on your birthdate.
Who qualifies for spousal benefits?
Spouses who have worked for at least ten years or can claim benefits based on their partner’s work record.
