With the 2025 Cost of Living Adjustment (COLA) set at 2.5%, millions of Americans will see an increase in their Social Security benefits starting in January 2025.
This adjustment aims to help retirees keep up with rising living costs.
The Social Security Administration (SSA) will notify recipients of their new payment amounts in December 2024, or they can check their updated benefits via their my Social Security account.
Social Security Payments for Couples in 2025
For couples where both partners receive Social Security, the average monthly payment was $3,014 in January 2024 following a 3.2% COLA increase for that year.
After the 2025 COLA of 2.5%, aged couples can expect their average monthly payment to rise to $3,089.
Eligibility for Spousal Benefits
If you and your spouse have each worked for at least 10 years and earned sufficient work credits, you can file for Social Security benefits as early as age 62. Some spouses may also qualify for spousal benefits based on their partner’s work record.
2025 Payment Schedule
Starting in January 2025, Social Security payments that include the COLA increase will be sent on the following dates:
- January 3: For those who began receiving Social Security before May 1997, or who are also receiving SSI payments.
- January 8, 15, and 22: For others, payment dates are based on birth dates:
- January 8: If born between the 1st and 10th of the month.
- January 15: If born between the 11th and 20th of the month.
- January 22: If born between the 21st and 31st of the month.
The 2025 COLA increase will result in aged couples both receiving Social Security collecting an estimated $3,089 per month on average.
Payments will begin on January 3, 2025, with different dates for those born in different parts of the month.
FAQs
How much will aged couples receive after the 2025 COLA?
Aged couples both receiving Social Security benefits will receive an average of $3,089 per month.
When will the 2025 COLA payments start?
Payments including the 2025 COLA increase will begin on January 3, 2025.
How do I check my updated Social Security benefit amount for 2025?
You can check your updated benefit amount through your my Social Security account or wait for a notice from the Social Security Administration in December 2024.
Who qualifies for the January 3, 2025 payment?
Those who started receiving Social Security before May 1997 or are also receiving SSI payments qualify for the January 3, 2025 payment.
What are the payment dates for January 2025 based on birth date?
January 8: If born between the 1st and 10th.
January 15: If born between the 11th and 20th.
January 22: If born between the 21st and 31st.
