The Social Security Administration (SSA) has officially announced the 2025 Cost-of-Living Adjustment (COLA), offering relief to millions of Americans navigating higher prices for everyday essentials. While this year’s increase is more modest than 2023’s historic jump, it still represents a meaningful attempt to keep benefits aligned with inflation.

How Much Is the 2025 COLA?

The 2025 COLA is 3.2%, affecting over 70 million people, including:

Retired workers

Individuals receiving disability benefits

Survivors

SSI recipients

The new amounts begin appearing in January 2025 checks.

How Much More Will Beneficiaries Receive?Average Monthly Benefit (Retired Worker)

Increase: About $50 more per month

New Average: Approximately $1,790

Below is a clearer breakdown of estimated 2025 benefit amounts, incorporating the 3.2% adjustment:

Old-Age Retirement Benefits (Estimated for 2025)

Category Current Amount Estimated 2025 Amount
Average Benefit $1,871.09 $1,920
Maximum at Age 62 $2,710 $2,781
Maximum at Age 67 $3,822 $3,923
Maximum at Age 70 $4,873 $5,001
Disability Benefits (Estimated for 2025)

Category Current Amount Estimated 2025 Amount
Average $1,401.30 $1,438
Maximum $3,822 $3,923
Survivors’ Benefits (Estimated for 2025)

Category Current Amount Estimated 2025 Amount
Average $1,509.50 $1,549
SSI (Supplemental Security Income) — 2025 Estimates

Category Current Amount Estimated 2025 Amount
Average $695.84 $714
Individual $943 $968
Couple $1,415 $1,452
Essential Person $472 $497