Understanding Your 2025 Social Security Payment Schedule
When will you receive your Social Security check in 2025? Your Social Security payment date depends primarily on your birth date, with a few important exceptions to keep in mind.
Social Security Payment Timing Basics
If you’ve been receiving Social Security benefits since before May 1997 or are collecting both Social Security and Supplemental Security Income (SSI), your payment schedule is slightly different. Social Security typically pays on the 3rd of the month, while SSI pays on the 1st. Pro tip: If your scheduled payment falls on a federal holiday or weekend, you’ll receive your funds on the preceding weekday.
Key Changes for Social Security Benefits in 2025
Retired public sector employees have something to look forward to in 2025. The Social Security Fairness Act will provide retroactive benefits starting after December 31, 2023. While specific details are still emerging, eligible retirees can anticipate an estimated average increase of $360 monthly. Your actual amount will vary based on your unique employment history.
Good news for spouses, widows, and widowers: You’ll no longer face reductions in survivor benefits due to the Government Pension Offset.
2025 Social Security Cost of Living Adjustment (COLA)
The official COLA increase for 2025 is set at 2.5%, matching the forecast by Kiplinger economist David Payne. In January 2025, the average Social Security monthly check for retirement beneficiaries was $1,929.20, according to the Social Security Administration.
Managing Your Social Security Online Account
Want more control over your Social Security benefits? Create a my Social Security account to:
- Request a replacement Social Security card
- Check application status
- Estimate future benefits
- Update direct deposit information
- Receive digital 1099 forms
If you’re worried about mail theft or travel frequently, you can opt out of mailed notices and manage everything online.
Pro Tips for Social Security Beneficiaries
- Check your specific payment schedule based on your birth date
- Keep your contact and banking information up to date
- Explore online account management to simplify your benefits experience
By staying informed and proactive, you can make the most of your Social Security benefits in 2025.
