A new round of Social Security payments will begin on Wednesday, April 9, 2025, and it includes the continued application of the 2.5% Cost-of-Living Adjustment (COLA) that took effect in January. This increase aims to help beneficiaries keep up with inflation and the rising cost of essential goods and services. The first group to receive this adjusted payment are those who were born between the 1st and 10th of any month and started collecting benefits at age 62.
Although the COLA adjustment officially began at the start of the year, it continues to be reflected in monthly deposits. For millions of retirees, these higher payments offer necessary financial support as prices for housing, healthcare, and other basic needs continue to climb across the country.
When Are April’s Social Security Payments Being Sent?
The Social Security Administration (SSA) follows a payment schedule based on birth dates, with three key disbursement dates in April 2025:
- April 9: For those born between the 1st and 10th
- April 16: For those born between the 11th and 20th
- April 23: For those born between the 21st and 31st
If you qualify for the April 9 payment, no additional action is needed. The payment, which includes the 2025 COLA increase, will be deposited directly into your account following the standard SSA process.
Here are some key figures from the SSA regarding monthly benefits in 2025:
- The maximum monthly benefit for those who retired at age 62 is $2,831
- Retirees who delayed their retirement until age 70 can receive up to $5,108 per month
- Payments are automatically adjusted for COLA based on current regulations
By choosing to delay retirement past the full retirement age of 67, individuals can receive significantly larger monthly payments, an option that aligns with long-term sustainability goals for the Social Security system.
Additional Social Security Changes in 2025
Beyond the COLA increase, other changes remain active in 2025. Most notably, the taxable earnings cap has risen to $176,100, which affects Americans who are still part of the workforce and paying into Social Security. Furthermore, adjustments to the full retirement age continue to roll out gradually, impacting eligibility timelines for future retirees.
These changes reflect ongoing efforts by the U.S. government to modernize the Social Security program and ensure its viability amid shifting demographics and economic challenges.
With the first April payment scheduled for the 9th, retirees can expect another month of enhanced benefits, reinforcing the importance of staying informed and understanding how these updates affect long-term retirement planning.