Starting April 9, 2025, millions of retired Americans will receive their first Social Security payment of the month. This payment includes the latest Cost-of-Living Adjustment (COLA), helping retirees keep up with the rising cost of daily life.
This deposit is especially for those who were born between the 1st and 10th of any month and have already started receiving their Social Security benefits. If you fall into this group, your payment will automatically include the 2.5% increase introduced earlier this year.
What Is the COLA Increase in 2025?
From January 2025, the COLA increase of 2.5% has been added to monthly Social Security checks. This is done to help retired people cover the growing cost of essentials like food, medicine, rent, and utility bills. Inflation has been making life more expensive, and this increase aims to ease that burden just a little.
Even though the raise started at the beginning of the year, it is still added to every monthly payment in 2025. For many senior citizens, these monthly raises bring much-needed financial support during these uncertain times.
Who Will Get the April 9 Social Security Payment?
The Social Security Administration (SSA) has a clear schedule for when people get their monthly benefits. The April 9 payment will go to:
- People who started receiving benefits at age 62, and
- Were born between the 1st and 10th of any month.
You don’t need to do anything to receive this payment—it will be deposited automatically into your bank account.
According to the SSA, the maximum monthly benefit for someone who retired at age 62 is $2,831. This amount already includes the COLA adjustment.
Can You Get More If You Delay Retirement?
Yes, people who wait longer to retire—for example, until age 67 or beyond—can get higher monthly benefits. This is a strategy used by the government to support the long-term health of the Social Security system and to encourage people to retire later if possible.
The later you retire, the bigger your check will be. This also helps ensure that Social Security funds last longer, especially as more people are living well into their 80s and beyond.
Other Changes to Social Security in 2025
Apart from the COLA increase, there are some other important updates in 2025:
- The taxable earnings cap has been increased to $176,100. This means people earning above this amount will not pay Social Security taxes on income over this limit.
- The full retirement age is slowly increasing. For future retirees, this means you might need to wait a bit longer before receiving your full benefits.
These changes are part of the government’s plan to modernize Social Security and keep it strong for future generations. With more people retiring and living longer, updates like these are needed to balance the system.
As April 9, 2025, nears, eligible retirees can expect another slightly larger Social Security deposit, thanks to the ongoing 2.5% COLA increase. This payment is part of the monthly schedule and will be automatically credited to the bank accounts of those born between the 1st and 10th of any month.
These regular increases are a small but important way to help retirees manage their everyday expenses in a time of inflation and economic change. By staying informed about such updates, people can plan their finances better and make the most of their retirement benefits.