The U.S. federal government and the Social Security Administration have made the official announcement regarding the 2025 COLA SSI Increase. As per the latest updates, more than 67 million citizens will be getting an increase in their Supplemental Social Income. The COLA increase for 2025 is announced to be 2.5% which is all set to be effective from January 1, 2025. SSI beneficiaries will get the increased social security pension on December 31, 2024. The 2.5% COLA increase is slightly lower than that of 2024 but the beneficiaries can get an increment of up to $50 in their monthly SSI pension.
How Much is 2025 COLA SSI Increase?
The SSA announced the 2025 COLA SSI Increase and social security increase on the 10th of October 2024 as per the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) of the third quarter of 2024. Currently, the SSI pension amount is provided to eligible beneficiaries as per a 3.2% COLA increase. Effective from January 1, 2025, these payments will get an increment of 2.5%. The main reason behind the SSA adjusting monthly SSI benefits is to balance the inflation and high cost of living for low-income retirees and disabled citizens. With this, around 68 million U.S. residents will get a significant SSI increase.
Apart from the Social Security benefits increase, the SSA has also increased the maximum amount of earnings that are subject to Social Security taxes. The SSA on October 10, 2024, announced that the maximum earnings are getting an increase from $168,600 to $176,100 in 2025. As a result, now the citizens will be able to pay more social security taxes which helps them in getting higher SSI payments in their retirement age. Once the presidential election is conducted in November 2024, the SSA will start notifying eligible social security beneficiaries regarding the social security changes in early December.
2025 COLA SSI Increase Quick Details
| Title | 2025 COLA SSI Increase |
| Country | The USA |
| Name of the Pension | Supplemental Social Income (SSI) |
| Administers by | Social Security Administration (SSA) |
| Category | Government aid |
| COLA Increase 2025 | 2.5% |
| Effective from | January 1, 2025 |
| Applicable for | Eligible Social Security Beneficiaries |
| Purpose | To keep pace with the inflation and cost of living |
| official website | ssa.gov |
COLA SSI Increase Payment Amount in 2025
In 2024, around 67 million citizens in the United States get an increase in their social security pension of 3.2%. As the SSA has announced a 2.5% COLA SSI Increase in 2025, the SSI retirement pension, disability benefits, and survivor benefits for the beneficiaries will increase in 2025. Currently, the SSA disburses $943 per month and $1,415 per month to each eligible individual and married couple respectively. Starting from January 2025, these payments will rise by 2.5% which mainly aims to keep up with inflation and the rising cost of living in the country. For the expected SSI Increase 2025, have a look at the following table:
| Recipient | Monthly Payment (2024) | Annual Payment (2024) | Monthly Payment (2025 with 2.5% COLA) | Annual Payment (2025 with 2.5% COLA) |
| Eligible Individual | $943 | $11,321.49 | $966.5 | $11,604.5 |
| Married Couple | $$1,415 | $16,980.36 | $1,450.4 | $17,404.8 |
| Essential Person | $472 | $5,673.73 | $483.8 | $5,815.5 |
| SSDI Payments | $1,478 | $17,736.00 | $1,514.9 | $18,179.4 |
Who Qualifies for the COLA SSI Increase in 2025?
Only the citizens who qualify for the eligibility criteria that the Social Security Administration has set for the 2025 COLA SSI Increase can get an increment in their monthly SSI pension. The eligibility requirements for the same are mentioned in the following points:
- Citizens who have citizenship of the United States of America and are permanent residents of the country are eligible.
- The minimum age required for a citizen to start receiving SSI benefits is 62 years old. Hence to get the COLA SSI Increase 2025, a citizen should be at least 62 years old or above.
- A claimant should not have resources more than $2,000 if single or $3,000 if married.
- If a recipient is below 62 years old and has a disability that matches the SSA’s definition of disability is also eligible.
- Citizens need to have a Social Security Number to claim SSI increase in 2025.
COLA SSI Increase 2025 Payment Schedule
At the beginning of 2024, the Social Security Administration released the payment schedule for SSI benefits of 2025. Usually, the SSA makes the first payment to those who are receiving SSI benefits before May 1997. The payment arrives on the first of each month. For the rest of the beneficiaries, their payment dates depend on their date of birth.
These payments are made available on the second, third, and fourth Wednesday of the month. However, if the payment date falls on a bank holiday or a weekend, the SSA makes the pension payment a day before. Find the payment date details for the COLA SSI Increase 2025 in the following table:
| Payment / Beneficiary Category | Payment Schedule |
| SSI beneficiaries claiming benefits before May 1997 | 1st of each month |
| Birth date between the 1st and the 10th of the month | Second Wednesday of each month |
| Birth date between the 11th and the 20th of the month | Third Wednesday of each month |
| Birth date between the 21st and the 31st of the month | Fourth Wednesday of each month |
How to Apply for the 2025 COLA SSI Increase?
To apply for the 2025 COLA SSI Increase, social security beneficiaries need to visit the official web portal of ssa.gov. After clicking on the apply for benefits, an application form is provided. Citizens must fill out the form with essential details and attach mandatory documents.
Once all the details are filled out, submit the application form to the portal. The authorities notify the beneficiaries regarding their eligibility for the SSI increase once they verify the application. For more information regarding the COLA SSI Increase, citizens can browse the official website of the Social Security Administration.
FAQs
When will the SSA announce the COLA SSI Increase 2025?
The Social Security Administration has already announced the COLA increase for 2025 on October 10, 2024.
How much is COLA SSI Increase in 2025?
As per the latest news, the SSA is all set to increase the monthly SSI benefits by 2.5% effective from January 1, 2025.
Who is Eligible for the COLA SSI Increase in 2025?
Citizens who are receiving monthly SSI benefits and paid social security taxes in their working age are eligible for the increase.
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David has spent Several years reporting on the oil and gas industry, uncovering the latest trends and technological breakthroughs. His expertise in energy markets and passion for sustainable practices make his articles both insightful and forward-thinking. Davis’s in -depth analyses are a staple for professionals seeking to stay ahead in this dynamic field.