The Social Security Administration (SSA) is preparing to issue the second April 2025 Social Security payment on Tuesday, April 16, with a 2.5% Cost-of-Living Adjustment (COLA) included.
This update follows the first April payment, which was issued on April 9 to retirees born between the 1st and 10th of the month. The mid-month disbursement will provide adjusted payments to a new group of eligible recipients.
This COLA increase, which was introduced at the start of 2025, aims to provide financial relief to millions of retirees, helping them keep up with the rising costs of essentials such as food, utilities, and medical care.
Who Will Receive the April 16th Social Security Payment?
Retirees born between the 11th and 20th of any month will be the recipients of the April 16 payment. This group will automatically receive the COLA-adjusted benefits, with no additional steps required.
Eligibility Breakdown:
| Birth Date Range | Payment Date | Includes COLA? |
|---|---|---|
| 1st – 10th | April 9, 2025 | Yes (2.5% COLA) |
| 11th – 20th | April 16, 2025 | Yes (2.5% COLA) |
| 21st – 31st | April 23, 2025 | Yes (2.5% COLA) |
These automatic deposits ensure that beneficiaries continue to receive their financial support on schedule and with the adjusted rates factored in.
How Much Will Retirees Receive?
The monthly Social Security benefit amount varies based on retirement age and lifetime earnings. With the COLA now included, the updated estimated payments for 2025 are:
| Retirement Age | Estimated Monthly Benefit (2025) |
|---|---|
| Retired at age 62 | Up to $2,831 |
| Retired at age 67 | Up to $3,822 |
| Retired at age 70 | Up to $5,108 |
These figures highlight how delayed retirement can significantly increase monthly benefits under the SSA’s tiered system.
What Are the Key Changes to Social Security in 2025?
In addition to the COLA increase, Social Security has seen several important updates in 2025:
- Maximum Taxable Earnings Cap Raised: The income subject to Social Security tax is now capped at $176,100, affecting higher earners still contributing to the system.
- Shifting Retirement Age: The full retirement age continues to increase gradually, part of the federal government’s strategy to ensure the long-term sustainability of the program.
- COLA Adjustment: The 2.5% increase was announced to address inflation, and is automatically applied to all monthly payments.
Keeping up-to-date with such changes is crucial for retirees who rely on Social Security as a primary income source.
Upcoming Payment Date to Watch
The next payment after April 16 will occur on April 23, 2025. That check will be sent to retirees born between the 21st and 31st of any month and will also include the 2.5% COLA.
The April 16, 2025 Social Security payment brings timely financial assistance to retirees born between the 11th and 20th of any month.
With the 2.5% COLA increase applied automatically, recipients can expect a slight boost to their monthly benefits.
As economic pressures continue, these adjustments remain a vital lifeline for older Americans relying on fixed incomes. Retirees are encouraged to remain aware of payment schedules and program changes to ensure they receive all entitled benefits.
FAQs
Who qualifies for the April 16 Social Security payment?
Retirees born between April 11th and 20th of any month are scheduled to receive the payment on April 16, 2025, including the COLA.
What is the COLA increase for 2025?
The Cost-of-Living Adjustment for 2025 is 2.5%, applied automatically to monthly Social Security payments to help offset inflation.
How much can a retiree receive in 2025?
The benefit amount varies: up to $2,831 (age 62), $3,822 (age 67), and $5,108 (age 70), depending on retirement age and earnings.