If you’re receiving Social Security or SSDI (Social Security Disability Insurance) in the United States, there’s good news for 2025: the Social Security Administration (SSA) has confirmed monthly payouts of up to $3,250 for eligible beneficiaries. This increase comes as part of the Cost-of-Living Adjustment (COLA) to help cope with rising expenses.
Whether you’re already getting benefits or planning to apply, this guide explains everything—from eligibility rules to payment dates and how to apply.
Why the $3,250 Payout?
The SSA adjusts payments each year based on inflation. For 2025, benefits have gone up by 2.5%, which means:
- Retirees at full retirement age (67) or those who delayed until age 70 can receive up to $3,250/month
- SSDI recipients will receive an average of $1,580/month
This increase helps ensure that people relying on Social Security can maintain their quality of life despite rising costs of living.
Who Qualifies for the $3,250 Social Security or SSDI Payments?
For Social Security (Retirement):
- You must have worked for at least 35 years
- Your earnings must have reached or exceeded the taxable maximum limit
- You must delay retirement until age 67 (or ideally, until age 70) to receive the maximum payout
For SSDI (Disability):
- You must have a qualifying medical disability as defined by SSA
- You must have sufficient work credits, based on your age and work history
- You must earn less than $1,470/month in Substantial Gainful Activity (SGA)
When Will You Get Paid? Social Security & SSDI Payment Schedule (2025)
Payments are made monthly, based on your birth date:
- 1st to 10th: Paid on the second Wednesday
- 11th to 20th: Paid on the third Wednesday
- 21st to 31st: Paid on the fourth Wednesday
Example: January 2025 Dates
- Birthdays 1–10: Paid on January 8
- Birthdays 11–20: Paid on January 15
- Birthdays 21–31: Paid on January 22
Note: If the payment date falls on a public holiday, it will be adjusted to the prior business day.
How to Apply for Social Security or SSDI in 2025
If you think you’re eligible, here’s how to start:
1. Gather Required Documents
- Proof of age and identity (e.g., birth certificate, SSN)
- Work history and past earnings
- Medical documents (for SSDI applicants)
2. Apply for Benefits
- Online: Visit SSA.gov
- In person: Go to your nearest Social Security office
- Phone: Call 1-800-772-1213
3. Wait for Approval
- Social Security applications usually take 3–6 months
- SSDI cases may take longer due to medical reviews
4. Denied? File an Appeal
- If denied, you have 60 days to appeal the decision
SSI Benefits in 2025
In addition to Social Security and SSDI, those with low income may qualify for Supplemental Security Income (SSI).
- Individuals: $967/month
- Couples: $1,450/month
SSI is separate from Social Security and supports people with limited income or resources, including the elderly, disabled, or blind.