Social Security January 2025: Your COLA-Boosted Check Is on the Way
We’re a couple of days into 2025 and the COLA increase has officially gone into effect. Social Security (retirement and survivors) recipients will now see a 2.5% increase in their next check and throughout the year. The COLA increase also extends to Supplemental Security Income and Social Security Disability insurance recipients. If you’re not sure when you can expect your check, we have you covered below.
If you’re still waiting on your check from December, check out what you should do if your Social Security payment is missing.
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Read on to find out if you should expect to receive your check, and how your payment date is determined by the Social Security Administration. Plus, we’ll cover other government benefit payment dates. For more, don’t miss the Social Security and SSDI cheat sheet.
When will I get my Social Security check?
Want to know which day of the month you’ll get your check? Here’s the Social Security and SSDI payment schedule for January.
Social Security payment schedule for January 2025
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| You’ve received Social Security before May 1997 | Jan. 3 |
|---|---|
| If your birthday falls between the 1st and 10th of any given month | Jan. 8 |
| If your birthday falls between the 11th and 20th of any given month | Jan. 15 |
| If your birthday falls between the 21st and 31st of any given month | Jan. 22 |
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How is my Social Security payment date determined?
Social Security payments are typically paid out starting on the 2nd Wednesday of the month. The remaining two payments will be paid out on the following two Wednesdays of the month. Which week you receive your payment depends on your birthdate. There is one big exception, which I’ll cover below.
| Birthdate between: | Social Security check date |
|---|---|
| 1st and the 10th | 2nd Wednesday of the month |
| 11th and the 20th | 3rd Wednesday of the month |
| 21st and 31st | 4th Wednesday of the month |