Social Security Announces January 2025 Payment Schedule and Adjustments

The first payments reflecting the 2.5% Cost of Living Adjustment will begin distribution in late December, impacting millions of beneficiaries.

• The Social Security Administration (SSA) has released the January 2025 payment schedule for retirement, survivor, disability, and Supplemental Security Income (SSI) benefits.
• January marks the first month where beneficiaries will receive payments adjusted for the 2.5% Cost of Living Adjustment (COLA), increasing the average retirement benefit by $49 to $1,976.
• SSI payments for January will be sent on December 31, 2024, due to the January 1 federal holiday, with additional early payments scheduled throughout 2025 when the first of the month falls on a weekend or holiday.
• Regular Social Security payments are distributed in three waves based on recipients’ birth dates, with payments scheduled for January 8, 15, and 22.
• The maximum monthly benefit for retirees varies by retirement age, with those retiring at 70 receiving up to $4,873 per month, the highest amount available.

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