Social Security benefits are increasing in 2025: Find out how much more you could receive if you are over 67 years old
Starting in 2025, millions of Social Security recipients will see larger monthly payments, thanks to a 2.5% cost-of-living adjustment (COLA). This increase, designed to keep up with inflation, will boost benefits for retirees, survivors, individuals with disabilities, and Supplemental Security Income (SSI) beneficiaries. Here’s what you need to know about how these changes could impact your monthly checks.
How Much Will Social Security Payments Increase in 2025?
The 2.5% COLA applies to all Social Security benefits, including retirement, disability (SSDI), and survivor benefits, as well as SSI payments. The maximum monthly federal SSI payments will rise to:
- All retired workers: $1,927 to $1,976
- Elderly couple where both receive benefits: $3,014 to $3,089
- Widowed mother and two children: $3,669 to $3,761
- Elderly widow(er): $1,788 to $1,832
- Disabled worker, spouse and one or more children: $2,757 to $2,826
- All disabled workers: $1,542 to $1,580
You may be interested in: Confirmed: This is the Social Security payment schedule for 2025
Maximum Social Security Benefits by Age
While workers can begin claiming Social Security benefits as early as age 62, those payments won’t reflect the full benefit amount. To maximize monthly checks, the Social Security Administration (SSA) advises waiting until full retirement age (67 for individuals born in 1960 or later) or even delaying until age 70.
Here’s the breakdown of maximum monthly benefits by age for 2025:
- At 62 years old: $2,831
- At 65 years old: $3,374
- At 66 years old: $3,795
- At 67 years old (full retirement age): $4,043
- At 70 years old (maximum deferral): $5,108
Delaying retirement past age 67 allows beneficiaries to receive significantly higher payments avoiding the penalty for not waiting until full reitrement age.
How to Estimate Your 2025 Social Security Payments
Social Security benefits are calculated individually, based on your earnings history. If you want a rough estimate of your 2025 payments, simply add 2.5% to your current monthly benefits.
The SSA will notify beneficiaries of their updated amounts in December via mail or their ‘my Social Security’ account.
Original article written by Corina González, translated with the assistance of AI and edited by Greg Heilman.
Get your game on! Whether you’re into NFL touchdowns, NBA buzzer-beaters, world-class soccer goals, or MLB home runs, our app has it all. Dive into live coverage, expert insights, breaking news, exclusive videos, and more – plus, stay updated on the latest in current affairs and entertainment. Download now for all-access coverage, right at your fingertips – anytime, anywhere.