Millions of Americans rely on Social Security benefits for their retirement income. Considering the rising cost of living, knowing the average Social Security payment in 20205 and changes coming up is important for financial planning. Additionally, there are signs that changes coming in 2026 could result in smaller or no raises for many retirees.
The Average Social Security Payment in 2025
According to the Social Security Administration (SSA), the average Social Security payment in 2025 is $1,907 for retirees. That’s an increase from $1,848 in 2024 as a result of the 2.5 % Cost-of-living Adjustment that took effect at the start of the year. A couple where both spouses receive benefits receives approximately $3,033.
Note that these figures are just national averages, and therefore, you might receive either a higher or lower amount depending on your lifetime savings and the age you claimed your retirement benefits. For example, if you retired at age 62, you would receive a lower monthly payment, while if you waited until full retirement age (67) you would receive your full benefit. Those who delay claiming until age 70 get the highest benefits, 24-32% higher than normal.
This means that even if the average Social Security payment is $1,907, your personal choices and work history might get you even double.
Who’s Seeing a boost This April?
Many people saw their COLA increase in January. But for some, especially those with more complex cases, the higher benefit amount didn’t kick in until April. That includes:
- New beneficiaries still in the setup process
- People receiving both SSI and Social Security, where timing affects when the COLA shows
- Anyone who had their benefits paused or adjusted for income, work, or other eligibility reasons
If your April check was higher than March, it likely reflects the 2.5% COLA increase that’s finally showing up in your monthly payment.
How Much is the 2025 Increase?
With the 2.5% adjustment, here’s how average benefits have changed this year:
| Benefit Type | Before COLA | After 2.5% Increase |
| Retired Worker (Average) | $1,848 | ~$1,894 |
| SSI (Individual Max) | $943 | ~$966 |
| SSI (Couple Max) | $1,415 | ~$1,450 |
| Disabled Worker (Average) | $1,489 | ~$1,526 |
| Widow(er) (Average) | $1,718 | ~$1,761 |
Note that these are average figures. Your exact amount depends on your earnings history and eligibility. But most people are seeing an increase of around $30 to $50 more per month.
How to Check if You Received the Increase
Want to make sure your payment includes the 2.5% bump? Here’s what you can do:
- Log in to your “My Social Security” account at ssa.gov
- Compare April’s deposit to previous months
- Look for a COLA notice sent by the SSA
- Or call the SSA directly at 1-800-772-1213 if you’re unsure
Also, check your mail or online messages, many recipients receive formal notices when there’s a benefit change.
What’s Next?
This April increase brings a little breathing room for millions of Americans, but the outlook for next year’s COLA isn’t quite as generous.
Economists are already warning that the 2026 COLA could fall below 2%, especially if inflation continues to cool. That’s good news for prices at the store, but not so much for fixed-income retirees depending on steady increases.
Meanwhile, concerns about Social Security’s long-term future still linger. Without reforms, the program is projected to face funding shortfalls in the next decade. Congress has yet to agree on a fix, leaving millions wondering what the future holds.
So, are you one of the millions of Americans getting a Social Security increase in April? If your check recently went up, it probably includes the delayed 2.5% COLA or even some back pay.
Every extra dollar counts, especially when you’re living on a fixed income. If your payment doesn’t look right, don’t hesitate to reach out to the SSA and double-check.