Getting a Social Security check every month isn’t a luxury. For millions of people in the United States, it’s the foundation that allows them to live with some peace of mind. Those who retired after years of work or who face a disability that prevents them from continuing to work know well what it means to have that stable income.
We’re not just talking about money. We’re talking about security, being able to pay the rent without fear, buying medicine, or having enough for food each week. And that’s why every time that check goes up, no matter how small, it makes a difference. It’s appreciated.
On April 23, a payment that many have been waiting for will arrive. The increase due to the cost-of-living adjustment (COLA), which was applied at the beginning of 2025, is now clearly reflected when compared to the same payment last year. Both retirees and those receiving Social Security disability benefits will see a higher amount in their accounts, thanks to the 2.5% increase that is already in effect.
Requirements for Social Security on April 23
The payment arriving this Wednesday is not for everyone. As always, the Social Security calendar is organized by groups, and on April 23, it is the turn of those in group 4. Who are they?
- People who began receiving benefits after May 1997.
- People whose birthday falls between the 21st and 31st of any month.
These rules apply to both those who collect retirement benefits and those who receive disability benefits. It doesn’t matter how long you’ve been receiving benefits: if you meet these conditions, your check will arrive on that day. After applyinf COLA 2025 the maximum amount in old-age based retirements is $5,108 and, in the other hand, disability benefits could reach the amount of $4,018.
In addition, you may already be noticing the effect of COLA on your benefits. This is not a bonus or extra payment, but an increase that is intended to offset the general increase in prices. It’s a little break so that your money doesn’t lose value over time.
How can I increase my retirement benefits?
Those who have not yet applied for Social Security have some leeway in deciding how and when to do so. And that can make a difference in the final amount. Here are the keys:
- Delay your retirement: If you can wait beyond your full retirement age, your monthly check will be higher. Until age 70, each additional year adds a significant percentage.
- Make sure you work at least 35 years: Social Security calculates your benefits based on your best 35 years of earnings. If you have fewer than 35 years, the system fills in zeros, which lowers your average.
- Watch out for your income: The higher your salary during those years, the better the basis for calculating your benefits.
People with disabilities do not choose when to apply. But they can make sure that their years of work are properly recorded. They can also request a review if their situation changes or if they believe there are errors in their record.
Planning is not always easy, especially in uncertain times. But understanding how the system works helps. And being informed can make those small increases, like the one on April 23, feel a little bigger.