2025 Confirmed Social Security: Recipients of social security will see a 2.5% Cost boron adjustment (CLA) increase in 2025, which affects their monthly payment from January. This adjustment helps maintain inflation and ensures that retired and other recipients maintain purchasing power. In this article, we will break social security growth for the payment plan 2025, and what you should know to maximize the benefits.
| Topic | Key Details |
|---|---|
| 2025 Social Security Increase | 2.5% COLA adjustment starting January 2025 |
| Average Payment Increase | Approx. $50 per month for retirees |
| New Average Monthly Benefit | $1,954 (up from $1,907 in 2024) |
| February 2025 Payment Dates | Feb 3, Feb 12, Feb 19, Feb 26 (based on birth date) |
| Supplemental Security Income (SSI) Payment Date | January 31, 2025 (since Feb 1 falls on a weekend) |
| Official SSA Website | www.ssa.gov |
2.5% of the growth of social security in 2025 provides a small boost for the recipients, which helps them keep up with inflation. Knowing the payment plan in February 2025 ensures that you get your benefits on time. Establishing direct deposits, monitoring change, and being informed will help you use maximum benefit from your social security benefits.
2025 understanding of social security growth
What is Social Security Cola?
Living cost adjustment (COLA) is an annual increase in the payment of social security, based on the inflation rate measured by the consumer price index for urban wages and clergy workers (CPI-W). 2.5% growth in 2025 is less than in recent years but still ensures that recipients can live with increasing costs.
CPI-W measures prices for important goods such as food, medical treatment, housing, and transport. Social Security Administration (SSA) uses this index to determine the COLA adjustment each year. This year with high inflation, cola growth is great, as seen in 2023 (8.7%) and 2024 (3.2%). However, with inflation decreasing, the increase for 2025 is more modest.
How much will you get from 2025 Social Security growth?
This is how 2025 COLA growth affects different payments of social security:
| Benefit Type | 2024 Average Monthly Benefit | 2025 Average Monthly Benefit |
| Retirees | $1,907 | $1,954 |
| Disabled Workers | $1,537 | $1,575 |
| Survivors | $1,540 | $1,578 |
| SSI Recipients | $943 (individuals) / $1,415 (couples) | $967 / $1,450 |
Why is there less increase than in previous years?
2025 Cola is due to an increase of 8.7% in 2023 and breaks inflation compared to 3.2% in 2024. Work on stabilizing the Federal Reserve prices has resulted in more moderate Cola adjustment. In addition, energy prices have stabilized and reduced the disruption of the supply chain, causing a more balanced economic landscape.
February 2025 Payment Plan
Benefits of social security are paid based on date of birth. Here is the entire payment plan for February 2025:
- February 3, 2025 – Those who began to receive benefits before May 1997.
- February 12, 2025 – Birthday from 1 – 10. In each month.
- February 19, 2025 – Birthday from 11th – 20th of each month.
- February 26, 2025 – Birthday from 21 – 31. Of each month.
Supplementary Security Income (SSI) Payment Date
January 31, 2025 – falls from February 1 to Saturday, SSI receivers receive their payment a day before.
For those who depend on social security and SSI, the profits help to cover daily expenses and understand the payment plan with budget and financial plan.
How to ensure that you get your social security payment on time
- Enter direct deposit
The fastest and safest way to obtain your social security payment is direct deposit. You can register via your social security account at www.ssa.gov. - Look for delay
While most of the payments come on time, there may be delays due to holidays or treatment errors. If your payment is late, contact the Social Security Administration (SSA) at 1-800-772-1213. - Stay up to date on surplus changes
To get the latest updates on the benefits of social security, you can register for information from SSA through your official website.
FAQs:
Will Social Security run out of money?
No, but without legislative changes, Social Security may only be able to pay about 80% of benefits by 2035. Congress is expected to address this issue.
Can I still work while receiving Social Security benefits?
Yes, but if you are under full retirement age, your benefits may be temporarily reduced if you earn above the annual limit ($22,320 in 2025).
What should I do if I don’t receive my February payment?
If your payment is missing, wait at least three business days before calling the Social Security Administration at 1-800-772-1213.