A lot of people in the US will get an extra 2.5% from Social Security in 2025 thanks to the 2025 COLA raise. You can look at the future amounts even if you don’t get this boost until January 2025.
Soon, the Social Security Administration will send out a letter to recipients telling them what their new amounts are after COLA. People who are retired will get these letters in December, but they can also look at them on their my Social Security account.
2025 COLA for aged couples both receiving Social Security
Couples over 65 who were both getting Social Security benefits got an average check of about $3,014 in January 2024. This amount went up after the 3.2 percent COLA increase in 2024, which was a little more than the 2.2 percent rise in 2025.
The COLA for 2025 was released on October 10, so people who will get it can find out how much they will get in 2025. Couples who both get Social Security will get an average of $3,089 after the cost-of-living increase.
You can apply for Social Security at age 62 if you and your partner have worked for at least ten years and earned enough work credits. Spousal benefits can be given to some spouses if the worker has a record.
When will retired couples get average payments of about $3,089 with 2025 COLA?
As of January 3, all retirement benefit checks with the Cost-of-Living Adjustment will be sent out by the Social Security Administration.
If you are eligible for the January 3 payment:
- You started receiving Social Security before May 1997, or
- You are collecting simultaneously SSI payments from the Federal Government
- Not eligible for the other retirement benefits in January
- Did not break any SSA’s rules
Apart from the January 3 payment, retirees who do not qualify for the first check with COLA may qualify for one of the Wednesday payments. For example, there will be paydays on January 8, 15 or 22.
- Retirement on January 8: eligible if born from 1-10
- Retirement on January 15: eligible if born from 11-20
- Retirement on January 22: eligible if born from 21-31
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