Starting in January 2025, Social Security beneficiaries will see a 2.5% increase in their payments due to the Cost of Living Adjustment (COLA). This annual increase helps recipients keep up with inflation, ensuring that their benefits retain purchasing power as prices rise.
The new average monthly payment for Social Security Disability Insurance (SSDI) beneficiaries will be $1,580, up from $1,542 in 2024.
Who Will Receive $1,580 in 2025?
The average payment of $1,580 will primarily apply to Social Security Disability Insurance (SSDI) recipients. This increase is the result of the 2.5% COLA boost.
However, it’s important to remember that not every SSDI beneficiary will receive this amount. The payment varies based on work history, the age at which benefits were claimed, and other circumstances.
SSDI Payments After the COLA Increase
| Year | Average Monthly SSDI Payment | COLA Increase |
|---|---|---|
| 2024 | $1,542 | 3.2% |
| 2025 | $1,580 | 2.5% |
While $1,580 is the average, some beneficiaries may receive more if they had a higher income during their working years. Additionally, families where multiple members (such as spouses or children) receive benefits based on the worker’s record will also see increases.
Who Else Benefits from the 2025 COLA?
Beyond SSDI recipients, retirees will see their average Social Security payment rise from $1,927 to $1,976 monthly in 2025. Survivors, spouses, and workers’ children also benefit from the COLA increase, depending on their eligibility. Here’s a breakdown of some other beneficiaries and their expected payments after the 2025 COLA:
- Retired workers: Average payment of $1,976.
- Survivors: Average payment of $1,832.
The 2025 COLA increase brings millions of Social Security recipients a modest but welcome boost. SSDI beneficiaries will see an average payment of $1,580 starting in January, helping them keep pace with the rising cost of living.
Whether on SSDI, retired, or receiving survivor benefits, the COLA ensures your Social Security payments continue to meet your financial needs as prices fluctuate.
Check your Social Security account regularly to stay informed, especially as the COLA increase takes effect in early 2025.
FAQs
The COLA increase will be reflected in payments starting in January 2025.
The COLA is calculated based on changes in the Consumer Price Index (CPI-W), which measures inflation. This year’s 2.5% increase reflects slower inflation compared to previous years.
Yes, the 2.5% increase applies to all Social Security benefits, including retirement, disability, and survivors’ benefits.
The maximum SSDI benefit will rise to $4,018 per month in 2025 for those who qualify.
You can check your estimated benefits by logging into your My Social Security account on the SSA website.
