The Social Security Administration (SSA) is sending out the first round of April 2025 payments on Wednesday, April 9.
This payout includes the new 2.5% cost-of-living adjustment (COLA) that kicked in earlier this year.
If you were born between the 1st and 10th of any month and started receiving benefits after May 1997, your check (or direct deposit) will land on April 9. The payment includes the COLA bump aimed at offsetting inflation on essentials like rent, food, and healthcare.
Who Gets Paid and When?
SSA payments are issued in waves each month for post-May 1997 retirees:
- April 9: Birthdays from the 1st–10th
- April 16: Birthdays from the 11th–20th
- April 23: Birthdays from the 21st–31st
For those who started receiving benefits on or before May 1997, your payment comes on April 3, no matter your birthday.
How Much Could You Get?
Your check depends on when you retired and how much you earned. But here’s a quick breakdown of 2025 figures with the new COLA factored in:
- Maximum benefit at age 62: $2,831
- Maximum benefit at age 70: $5,108
- Average monthly benefit: ~$1,976
Remember, delaying retirement increases your monthly payout. Retiring at 70 instead of 62 could boost your benefits by over $2,000 every month.
What If Your Payment Is Late?
If your money hasn’t hit your account by April 9, don’t panic. Here’s what the SSA recommends:
- Wait 3 full business days before taking action
- Check your My Social Security account for updates
- Contact your bank to rule out any delays
- Still no check? Call SSA directly at 1-800-772-1213
Direct deposit is your safest bet. If you’re not using it yet, enroll via your online account to avoid future hiccups.
What’s New With Social Security in 2025?
This year comes with a few key updates beyond the COLA increase:
- Taxable earnings cap raised to $176,100 – high earners now pay taxes on more income.
- Full retirement age (FRA) is now 67 for those born in 1960 or later.
- SSA is expanding digital services via the My Social Security portal.
Stay On Top of Your Benefits
Don’t leave your money to chance. Sign up for an SSA account to:
- View upcoming payment dates
- Track your benefit history
- Update your address and banking details
Want to maximize your Social Security in the years ahead? Knowing your benefit timeline and claiming strategy can make a massive difference – potentially thousands of dollars more each year.
People Also Ask
When is the next Social Security payment in April 2025?
April 9 is the next payment date for retirees born between the 1st–10th who started receiving benefits after May 1997.
What is the 2025 COLA increase?
Social Security benefits received a 2.5% cost-of-living adjustment in 2025 to help offset inflation.
How much is the maximum Social Security benefit?
In 2025, the maximum monthly benefit is $5,108 for those retiring at age 70.
What to do if my Social Security payment is late?
Wait 3 business days, check your SSA account, call your bank, and contact SSA if needed at 1-800-772-1213.
For millions of Americans, April 9 means more than just another Wednesday – it’s payday with a COLA kicker. If you qualify, that check will be hitting your bank soon. Don’t miss it, and make sure all
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