New Social Security Check Coming on 23rd April: If you’re receiving Social Security benefits, your next check—scheduled for Wednesday, April 23, 2025—will include the latest Cost-of-Living Adjustment (COLA). This year, the COLA is 2.5%, helping beneficiaries better cope with inflation and rising expenses. Whether you’re a retiree, a disabled worker, or receive Supplemental Security Income (SSI), this increase affects your monthly payments. Understanding how COLA works, who qualifies, and how much you’ll receive is essential to managing your financial future. In this article, we break down everything you need to know in an easy-to-understand and actionable way.
New Social Security Check Coming on 23rd April
The April 23 Social Security payment marks another important step in helping millions of Americans adjust to the rising cost of living. Thanks to the 2.5% COLA, retirees and other beneficiaries can expect slightly larger checks, but smart financial planning remains essential. Whether you’re newly retired or decades into receiving benefits, staying informed and proactive will help you make the most of your Social Security income.
| Feature | Details |
|---|---|
| COLA Increase for 2025 | 2.5% (effective January 2025) |
| Average Monthly Benefit | Increased from $1,927 to $1,976 (approx. $49/month) |
| Payment Date (April 2025) | Wednesday, April 23 (for birthdays between 21st–31st) |
| Maximum Disability Benefit | Up to $4,018/month (based on earnings and retirement age) |
| SSI Maximum Benefit (Individual) | $967/month |
| SSI Maximum Benefit (Couple) | $1,450/month |
| Official Payment Schedule | SSA Payment Calendar 2025 |
| Check Your Benefits Online | my Social Security Account |
Who Will Receive the April 23 Social Security Payment?
The Social Security Administration (SSA) sends payments based on two main factors:
- Your birth date
- The date you began receiving benefits
If your birthday falls between the 21st and 31st of any month and you started receiving Social Security after May 1997, your payment will be issued on April 23, 2025.
If you began receiving benefits before May 1997, your payment date is typically the 3rd of each month, regardless of your birthday.
What Is the 2025 COLA and How Is It Calculated?
The Cost-of-Living Adjustment (COLA) is an annual increase in Social Security benefits, designed to keep pace with inflation. It’s calculated using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), published by the Bureau of Labor Statistics.
The formula compares the average CPI-W from the third quarter (July–September) of the current year to the same quarter the previous year. If the CPI-W goes up, COLA is applied to the following year’s benefits.
In 2025, beneficiaries received a 2.5% COLA increase, a modest rise compared to the 3.2% increase in 2024 and the record-high 8.7% in 2023.
How Much More Will You Receive?
Here’s a breakdown of average monthly payments after the 2.5% COLA:
- Average Retired Worker: $1,976 (up from $1,927)
- Retiree Who Claimed at Age 62: Approximately $2,831
- Retiree Who Delayed Until Age 70: Up to $5,108
- Maximum Disability Benefit: $4,018
- SSI for Individuals: $967
- SSI for Couples: $1,450
These figures are averages. Your actual benefit depends on your lifetime earnings, the age you started receiving benefits, and any other deductions (like Medicare premiums).
How to Check Your Updated Benefit Amount?
Want to see exactly how much you’ll get? Follow these steps:
- Go to my Social Security account
- Log in or create an account
- Visit the Message Center
- Look for your COLA notice—this document includes your updated benefit amount, Medicare deductions, and more.
If you don’t receive your check by April 28, the SSA advises waiting three additional mailing days before contacting them at 1-800-772-1213.
How to Maximize Your Social Security Benefits?
While COLA increases can help, maximizing your monthly check takes strategy. Here are some tips:
1. Delay Retirement (If You Can)
Each year you delay claiming benefits past full retirement age (up to age 70), your benefit increases by approximately 8%.
2. Understand Spousal and Survivor Benefits
Spouses may qualify for up to 50% of their partner’s benefit, and widows/widowers can receive up to 100%. Knowing your options can make a big financial difference.
3. Continue Working
If you work while collecting benefits, your monthly check could increase over time due to continued earnings contributions.
4. Avoid Triggering Taxes
If your combined income (including half of your Social Security benefits, wages, dividends, etc.) exceeds certain thresholds, your benefits may be taxed. Consult a financial advisor to plan wisely.
SSI and SSDI Updates for April 2025
If you’re receiving Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI):
- SSI recipients saw a $24/month increase on average in 2025.
- SSDI recipients are eligible for similar COLA increases.
- Payment dates for SSI are typically the 1st of each month, unless it falls on a weekend or holiday.
What to Expect From Future COLA Adjustments
Looking ahead, COLA adjustments are likely to remain modest unless inflation rises significantly. The SSA’s annual COLA announcements typically occur in October and are based on inflation data up to that point.
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Frequently Asked Questions (FAQs)
What is the COLA increase for 2025?
The 2025 COLA is 2.5%, applied to Social Security and SSI payments beginning January 2025.
Who will receive payment on April 23, 2025?
Those with birthdays from the 21st to the 31st who started receiving benefits after May 1997.
How can I check how much I’ll get?
Visit your my Social Security account and check your 2025 COLA notice in the Message Center.
Will my benefits be taxed?
Possibly. If your combined income exceeds $25,000 (single) or $32,000 (married filing jointly), up to 85% of your benefits could be taxed.
What if my check doesn’t arrive?
Wait three mailing days past April 23, then call SSA at 1-800-772-1213.
