How the 2.5% COLA Boost Affects Your Social Security Check in 2025?

By: Eliot Pierce

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Tomorrow, millions of retired workers, survivors, and disabled Americans will get their Social Security payments. However, not everyone will receive their benefits tomorrow. The Social Security Administration (SSA) will only send payments to people born between the 11th and the 20th of the month.

Here are the average payments for different groups:

  • Retirees: Around $1,914
  • Survivors: Up to $1,505
  • Social Security Disability Insurance (SSDI) recipients: About $1,537

The exact amount depends on each person’s situation, including their retirement age, work history, Social Security contributions, and disability type.

3 Remaining Social Security Check Payments for December

There are still three more Social Security payments to be mailed this month:

  • December 18th
  • December 22nd
  • December 31st

According to the Social Security payment schedule for this month, the SSA usually sends out five rounds of payments each month for retirement, survivor, disability insurance (RSDI), and Supplemental Security Income (SSI) beneficiaries.

This month, SSI recipients will get an extra payment because January 1st falls on a holiday. As a result, those beneficiaries will receive their first increased Social Security check (due to the cost of living adjustment, or COLA) earlier.

How Much Will SSI Recipients Receive in 2024?

Starting December 31st, SSI recipients will see the 2.5% COLA boost reflected in their payments. Here are the new average amounts for SSI beneficiaries:

  • Low-income seniors (65+): Around $715
  • Individuals: Around $967
  • Couples: Up to $1,450

To qualify for SSI benefits, people must meet strict income and resource rules. The program is designed to support seniors and disabled individuals most in need.

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Bigger Payments Coming in January for Retirees, Survivors, and Disabled Americans

The increase in Social Security benefits will begin for other recipients on January 3rd, 2025. This applies to RSDI beneficiaries who applied for benefits before May 1997.

The COLA increase ensures recipients can keep up with rising living costs. While individual payments vary, the average Social Security check amounts for different groups will go up.

Could Social Security Be Cut Under a New Administration?

There’s been talk about potential Social Security changes under a new Trump administration. At a recent rally, Trump hinted at reducing the government budget by $2 trillion, which could include programs like Social Security.

Here’s what experts say:

  • Social Security is the largest government program. Any major budget cut might affect it.
  • Trump’s mass deportation plans could reduce Social Security revenue. Immigrants contributed about $25 billion to the system in past years.
  • Eliminating taxes on Social Security benefits and imposing tariffs could weaken the program further. According to the Committee for a Responsible Federal Budget, these changes might cause a shortfall by 2031.

While Trump has not officially proposed cutting Social Security, his broader economic plans could indirectly impact the program’s finances.

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