The 2025 Social Security COLA increase is here: Here’s when to expect your boosted check

the 2025 Social Security COLA increase It has officially gone into effect, and recipients can expect a cash increase in their monthly payments. Starting this month, a 2.5% increase will be reflected in Social Security checks (retirement and survivors). Social insurance against disability and Supplemental Security Income Beneficiaries will also see an increase in their monthly payments.

The Social Security Administration makes an annual cost-of-living adjustment to combat inflation, resulting in a larger check for those who receive Social Security. COLA is based on the percentage increase in… Consumer price index for urban wage earners and clerical workers From the third quarter of the previous year to the third quarter of the current year.

Below, we’ll explain how much you can expect to add to your 2025 Social Security check from now on. For more, you can dive deeper with Social security, Social insurance against disability and Supplemental Security Income Payment schedules.

What will my Social Security payment be with the 2025 COLA increase?

A COLA increase raises Social Security payments by 2.5%. The Social Security Administration says that would raise average monthly payments by about $48. Below are average new payments for 2025 based on beneficiary groups.

When will I see a COLA increase in my Social Security check?

Starting in January 2025, you’ll see an increased COLA on your monthly checks. Checks are disbursed on scheduled Wednesdays of each month, so whether you get your first supplemental check depends on your date of birth and the time you started receiving Social Security benefits.

• If your birthday falls between the 1st and 10th of the month, your payment will be sent on the second Wednesday of January 2025.
• If your birthday falls between the 11th and 20th, your payment will be sent on the third Wednesday of January 2025.
• If your birthday falls between the 21st and 31st of the month, your payment will be sent on Wednesday, January 4th, 2025.

Payments for Supplemental Security Income recipients generally arrive on the first day of every month, unless it’s a holiday or weekend, so this payment arrived in December 2025. If you received Social Security benefits before May 1997, your payment should have arrived on January 3 , 2025.

For more details, check this out Social Security Cheat Sheet Which tells you how your benefits work.