Millions of Americans rely on Social Security payments every month to help cover their daily expenses—especially during times of economic uncertainty. This year, the Cost-of-Living Adjustment (COLA) is giving some relief, as benefits have gone up by 2.5% to help retirees cope with rising prices.
After the first round of April payments was sent out on April 9, the Social Security Administration (SSA) is now getting ready to send the next round of payments on Tuesday, April 16, 2025. Let’s take a look at who will get this payment and what changes are affecting Social Security in 2025.
Who Will Receive the April 16 Social Security Check?
The upcoming April 16 payment is for retirees born between the 11th and 20th of any month. If your birthday falls within this range, your Social Security check will be deposited automatically on this date. You don’t need to do anything extra to receive the updated amount.
These payments include the 2.5% COLA increase that was approved at the start of 2025. This adjustment helps Social Security benefits keep up with the rising cost of essentials like groceries, fuel, and medical care.
How Much Can You Receive in 2025?
The amount you receive depends on when you retired and how much you earned during your working life. Here’s a simple breakdown of the estimated maximum benefits in 2025:
| Retirement Type | Retirement Age | Estimated Monthly Benefit |
|---|---|---|
| Early Retirement | 62 years | Up to $2,831 |
| Full Retirement | 67 years | Up to $3,822 |
| Delayed Retirement | 70 years | Up to $5,108 |
These amounts already include the COLA increase, and no extra steps are required from the retirees to receive the adjusted payment.
What Changed in Social Security for 2025?
Aside from the COLA update, there are other changes you should know about this year:
Higher Taxable Earnings Limit:
The maximum taxable income for Social Security contributions has increased to $176,100 in 2025. This means higher earners will pay Social Security taxes on a larger portion of their salary.
Full Retirement Age Adjustments:
As part of long-term changes to keep the program financially strong, the full retirement age is being gradually adjusted. This may affect when you choose to claim your benefits and how much you receive.
Upcoming Social Security Payment Dates in April 2025
Here’s a quick look at the Social Security schedule for April:
April 9 – For retirees born between the 1st and 10th
April 16 – For retirees born between the 11th and 20th
April 23 – For retirees born between the 21st and 31st
Each group will receive their COLA-adjusted monthly benefits on the specified dates. Make sure your bank account details are up-to-date to avoid any delays.
The next Social Security payment for April will be sent on April 16, 2025, to those born between the 11th and 20th of the month. With the 2.5% COLA increase, beneficiaries will see slightly higher amounts in their bank accounts.
Understanding when your payment is due and how much to expect can help with better financial planning, especially as the cost of living continues to rise. Stay updated on benefit changes and upcoming payment dates to make the most of your Social Security income.
