Social Security is a scheme launched for American senior citizens to provide them with monetary support. The government has decided to increase the social security payment in 2025 to keep pace with inflation and help them live a better and more respectable life. This financial aid helps them during their challenging times to fulfil their basic needs, such as food, power, rent, etc.
2025 Social Security COLA Increase
The main aim of this program is to provide benefits to senior citizens who are eligible for this payment and whose income is either very low or not at all. Another advantage of this program is to restore the purchasing power of its citizens, as it will not only help them but also the economy of the country.
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2025 Social Security COLA Increase: Key Highlights
| Particulars | Details |
| Name of Program | SSA COLA Increase 2025 |
| Name of Department | Social Security Administration (SSA) |
| Country | The United States of America |
| COLA Increase | 2.5% |
| Payment Type | Monthly |
| Payment Mode | Direct Deposit or Paper Checks |
| Category | Government Aid |
| Beneficiaries | Retirees, disabled people, and others |
| Official Website | SSA COLA |
2025 Social Security COLA Increase: Who gets it?
Social Security COLA 2025 benefits will be available to those only who are eligible to get the payment. You can check your eligibility from the given below points:
- Age Requirements: The individual who wants to apply for the Social Security COLA must be at least 65 years old. 64-year-olds can also apply 4 months before their birthday.
- Citizenship and Residency: The applicant must be a permanent citizen of the US or a resident with the intention to stay in the US. For more information related to citizenship and residency, visit the official website of SSA.
- Social Security Number (SSN): It is compulsory for the recipient to have a valid social security number to be eligible for this SSA payment.
- Disability: If an individual has confirmed a permanent disability or blindness through a medical test, he can apply without worrying about age requirements or income level.
- Income Threshold: To be qualified for social security payment, the individual must provide a valid proof of income, which must be lower than the limit set by the government for retirees.
How to Apply for Social Security 2025?
To apply for Social Security Claim 2025, follow the steps given below:
- Visit the Official Website: The first step for applying for Social Security 2025 is to go to the official website of the Social Security Administration (SSA).
- Login: If you have an account, log in to it using your login ID and password. If you don’t have an account, then create one by clicking on the “Create an Account” button.
- Application Form: After logging in, the SSI application form will be displayed on your screen. Fill out the application form by providing your required details related to your personal and professional life. Fill out the form very carefully, as any mistake can make your application disqualified from the payment.
- Upload Documents: After filling out the form, upload all the necessary documents in the required format and size. Also attach the documents to prove your eligibility or disability.
- Submit and Review: At last, submit the form. The SSA will review it and you will start getting your payments directly into your bank account (only if you mentioned bank account details while filling out the form).
Social Security COLA Increase 2025 Payment Dates
| Month | Payment Date |
| January | 8 April, 2025 |
| February | 12 April, 2025 |
| March | 12 April, 2025 |
| April | 9 April, 2025 |
| May | 14 May, 2025 |
| June | 11 June, 2025 |
| July | 9 July, 2025 |
| August | 13 August, 2025 |
| September | 10 September, 2025 |
| October | 8 October, 2025 |
| November | 12 November, 2025 |
| December | 10 April, 2025 |
How is COLA Calculated?
The SSA calculates COLA on an annual basis using CPI and CPI-W data from the 3rd quarter of the year. The increased COLA rates were declared on 10 October 2025. The COLA was increased by 2.5%, which is to provide sufficient financial support to retirees, disabled people, and others. It may be less for some people due to their other necessary expenses. They are advised to apply for more schemes like this to make their retirement better.
FAQs
How much COLA increased in 2025?
Social Security payments increased by 2.5% in 2025.
Why did the government increase the SSA COLA 2025 benefit?
The government has increased the social security payment in 2025 to provide senior citizens financial aid, to keep pace with inflation, and to help them live a better and more respectable life.
Do I have to apply for the COLA 2025 increase?
Yes, you need to apply and fill out an application form to be able to receive SSA benefits.
Do I have to contact Social Security to get the COAL?
COLA is applied automatically and does not require any activation. To view your COLA notice online, visit my Social Security account at the SSA official website, www.ssa.gov/myaccount.
What will happen if the Social Security funds run out?
In case the Social Security Funds run out, people will receive 83% of their planned benefits.