Just days after the first round of Social Security payments for April went out, the Social Security Administration (SSA) is ready to send out the second payment on Tuesday, April 16, 2025. This month’s payments include the 2.5% Cost-of-Living Adjustment (COLA) added at the beginning of 2025 to help retirees manage rising living costs.
These monthly checks are vital for millions of Americans, especially during a time when prices for essential items are going up. The April 16 payment will benefit a new group of retirees who rely on Social Security as a major source of income.
Who Will Receive the April 16 Social Security Check?
If your birthday falls between the 11th and 20th of any month and you started receiving benefits after May 1997, you are eligible for the April 16 payment.
This payment will include the 2.5% COLA increase, which is automatically applied, so no action is needed to receive the adjusted amount.
This is part of the SSA’s standard schedule, which divides retirees into four groups based on birth dates to manage payments smoothly.
How Much Can You Get in 2025?
The amount you receive each month depends on your retirement age and how long you worked. In 2025, estimated monthly benefit amounts are as follows:
| 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 |
The longer you delay retirement, the higher your monthly benefits.
What’s New in Social Security for 2025?
Apart from the COLA boost, there are a few important changes in the Social Security system this year:
- The maximum taxable earnings limit has gone up to $176,100. This affects higher-income workers who are still paying into the system.
- There are gradual shifts in the full retirement age, part of long-term efforts to keep the Social Security system strong for future generations.
These changes are important for both current retirees and future beneficiaries.
When Is the Next Payment?
The next round of payments is scheduled for April 23, 2025, and it will go to retirees born between the 21st and 31st of any month. This group will also receive the 2.5% COLA-adjusted amount.
If you haven’t received your payment and you qualify, it may be due to the payment method. Those with Direct Deposit usually get the money on the same day it’s sent. But if you receive checks by mail, it may take a few extra days.
Final Tips for Social Security Beneficiaries
To ensure you receive your Social Security payments without delay:
- Use Direct Deposit for faster payments
- Keep your personal information updated with SSA
- Check your payment group based on your birth date
- Track important SSA updates and policy changes