New Social Security Check Coming on April 23, 2025: Millions of Americans who depend on Social Security benefits are set to receive their next monthly payment on April 23, 2025, with a 2.5% Cost-of-Living Adjustment (COLA). This annual COLA increase is crucial to helping retirees, disabled individuals, and Supplemental Security Income (SSI) recipients keep pace with inflation and rising expenses.
For millions of Americans who rely on these benefits, understanding the payment schedule and recent adjustments due to the Cost of Living Adjustment (COLA) is essential for financial planning. With the next round of payments scheduled for April 23rd, let’s explore what recipients can expect and how the 2025 COLA has impacted benefit amounts. In this guide, we’ll break down who will receive the New Social Security Check Coming on April 23, 2025, how much you’ll get after the COLA adjustment, how to check your new benefit amount, and strategies to maximize your Social Security income in 2025 & New Social Security Check Coming on April 23, 2025 and beyond.
New Social Security Check Coming on April 23, 2025
The Social Security Administration (SSA) follows a monthly Payment schedule based on birthday of recipient. The April 23, 2025 payment is specifically for beneficiaries whose birthdays fall between the 21st and 31st of any month, and who began collecting benefits after May 1997. Thanks to the 2.5% COLA boost for 2025, most recipients will see slightly larger checks this month.
April 2025 Social Security Payment Overview
| Key Feature | Details |
| COLA Increase for 2025 | 2.5% (Effective January 2025) |
| April 2025 Payment Date | Wednesday, April 23 |
| Applies To | Birthdays from 21st–31st (if receiving benefits after May 1997) |
| Average Retired Worker Benefit | $1,976 (Up from $1,927) |
| SSI Maximum Payment (Individual) | $967/month |
| SSI Maximum Payment (Couple) | $1,450/month |
| Maximum SSDI Benefit | Up to $4,018/month |
| Check Online | my Social Security Account |
Social Security Payment Schedule
The Social Security Administration (SSA) follows a consistent monthly payment schedule based on beneficiaries’ birth dates. The upcoming April 23rd payment applies to specific beneficiaries within this schedule.
Social Security payments in April 2025 follow this timeline:
- April 3rd: Payments for Supplemental Security Income (SSI) recipients and those who have received benefits since before May 1997
- April 10th: Payments for beneficiaries with birth dates between the 1st and 10th
- April 17th: Payments for beneficiaries with birth dates between the 11th and 20th
- April 23rd: Payments for beneficiaries with birth dates between the 21st and 31st
If you were born between the 21st and 31st of any month, your April Social Security check will arrive on Wednesday, April 23rd. This payment includes the 2025 COLA increase, which has boosted benefits for all recipients.
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Understanding the 2.5% COLA Increase in 2025
The Cost-of-Living Adjustment (COLA) is calculated using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). This index reflects price changes in essential goods and services like food, housing, and healthcare.
The SSA compares CPI-W data from Q3 (July to September) of the previous year to determine the percentage increase. In 2025, beneficiaries received a 2.5% increase, down from 3.2% in 2024 and the historic 8.7% boost in 2023.
How Much More Will You Receive With the 2025 COLA?
Here’s a look at how the 2.5% COLA increase affects different categories of beneficiaries:
- Average Retired Worker: From $1,927 to $1,976
- Early Retiree (Age 62): Approx. $2,831
- Late Retiree (Age 70): Up to $5,108
- Maximum Disability Benefit: Up to $4,018
- SSI (Individual): $967
- SSI (Couple): $1,450
How to Check Your Updated Social Security Benefit Amount
Want to know your exact monthly benefit for 2025? Follow these simple steps:
- Visit the my Social Security website.
- Log in or create an account using your personal details.
- Go to your Message Center.
- Find your COLA notice – it includes your updated payment, deductions, and other essential info.
How to Maximize Your Social Security Benefits in 2025
Receiving a COLA increase is helpful, but to make the most of your benefits, consider the following strategies:
1. Delay Retirement (If Possible)
If you delay claiming benefits beyond your full retirement age, your monthly check grows by approximately 8% per year up to age 70.
2. Understand Spousal & Survivor Benefits
Married couples may be eligible for spousal benefits up to 50% of their partner’s benefit. Widows or widowers may receive up to 100% of the deceased spouse’s benefit.
3. Continue Working While Receiving Benefits
Ongoing employment can boost your lifetime earnings record, leading to increased future benefits.
4. Avoid Tax Triggers
Your benefits may be taxable if your total income exceeds:
- $25,000 (Single filers)
- $32,000 (Married filing jointly)
SSDI and SSI Payment Updates – April 2025
Both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) recipients benefit from the COLA increase as well.
SSDI Updates:
- Maximum SSDI benefit increased to $4,018/month.
- Based on disability onset age, earnings record, and work credits.
SSI Updates:
- Individual beneficiaries now receive up to $967/month.
- Couples may receive up to $1,450/month.
- Payment dates are usually the 1st of each month, except when it falls on weekends or federal holidays.
What to Expect from Future COLA Increases?
COLA rates in future years will depend heavily on inflation trends and economic conditions. In recent years:
- 2023 saw a record-high 8.7% increase due to post-pandemic inflation.
- 2024 provided a moderate 3.2% bump.
- 2025 delivers a more modest 2.5% adjustment.
The SSA typically announces COLA updates each October, so expect the 2026 COLA news in October 2025, based on updated CPI-W data.
FAQs About New Social Security Check Coming on April 23, 2025
What is the COLA increase for 2025?
The 2025 Cost-of-Living Adjustment is 2.5%, effective from January 2025 for all Social Security and SSI recipients.
Who receives the April 23, 2025 payment?
Beneficiaries whose birthdays fall between the 21st and 31st, and who began receiving benefits after May 1997.
How can I check how much I’ll receive?
Log in to your my Social Security account and check your COLA notice in the Message Center.
Will my benefits be taxed?
Possibly. If your combined income exceeds $25,000 (single) or $32,000 (married), up to 85% of your benefits may be taxed.
What should I do if my payment doesn’t arrive on time?
Wait three mailing days after April 23. If it still hasn’t arrived, call SSA at 1-800-772-1213.
