The Social Security Administration (SSA) is preparing to send out a new round of monthly payments on Wednesday, April 9, 2025. These payments include the 2.5% Cost-of-Living Adjustment (COLA) that started in January 2025. This small but important increase is meant to help retired Americans keep up with the rising cost of living and inflation.
The best part? Recipients don’t need to do anything to get this increase—it’s added automatically to their monthly payment. But this particular payment date is only for a specific group of retirees.
Who Will Receive the April 9 Social Security Payment?
The April 9 Social Security payment is for retirees born between the 1st and 10th of any month. If you were born during these dates and you’re already receiving Social Security retirement benefits, then your payment will be sent on this day.
In 2025, the maximum monthly benefit for someone who started collecting Social Security at age 62 is $2,831. However, not everyone will receive this full amount. The actual payment depends on factors like your past earnings and the age you chose to start receiving benefits.
Here’s a quick breakdown of the maximum possible Social Security benefit amounts based on retirement age in 2025:
| Retirement Age | Maximum Monthly Benefit (2025) |
|---|---|
| 62 years old | $2,831 |
| 67 years old | $3,822 |
| 70 years old | $5,108 |
So, if you delayed your retirement, your monthly payment could be much higher. That’s because the Social Security system encourages people to wait longer before taking their benefits, which helps the system stay strong and stable for future generations.
What’s New in Social Security for 2025?
Besides the COLA increase, there are other important updates in 2025:
The taxable earnings limit has increased to $176,100. This means people who earn more than this will not pay Social Security tax on income above that limit. This change mostly affects higher earners and helps maintain funding for the Social Security program.
Also, the full retirement age is gradually changing. This shift is part of a long-term plan to make sure the program remains sustainable as more people live longer and retire later.
These changes show that the SSA is working to modernize the system, making sure it can continue supporting future retirees without running into major financial trouble.
When Will You Receive Your Payment?
If you meet these two conditions:
- You were born between the 1st and 10th of any month, and
- You already receive Social Security benefits,
Then you’ll receive your April 9 payment. The amount you get will already include the 2.5% COLA increase, so you don’t need to apply or take any extra steps.
Payments will be deposited directly into your bank account or sent via mail depending on the method you’ve selected with the SSA.