The United States Social Security (SSA) benefits have a maximum amount that changes every year. Therefore, if we take into account that this increase is applied once a year, we can affirm that the payments for all the months of 2025 will have a higher amount.
Knowing this, we can realize something very important: retirees get more money in this year 2025. This means that the budget of Social Security (SSA) beneficiaries who do not usually collect another benefit is a little higher and they therefore have a better quality of life.
Therefore, retirees with any type of benefit, regardless of the year of birth, can have a check of up to $5,180 in 2025. Of course, in order to obtain such a high Social Security (SSA) payment, it is necessary to have maximized the benefit check during one’s working life.
Who gets the Social Security (SSA) increase in 2025?
The Social Security (SSA) increases of 2025 are due to the COLA. Thanks to the Government’s Cost of Living Adjustment, all Social Security (SSA) benefits can reach the aforementioned figure. It is true that this payment is limited to retirees who have maximized their benefits, but it is also true that all Americans are getting a little extra money this year.
Thus, it is not necessary to have been born in a specific year or to have applied for retirement on a specific date to obtain the 2025 COLA and, therefore, the increase in benefits. Furthermore, we must also bear in mind that this is a totally automatic process for United States citizens. So if you have an accepted benefit, you just have to wait for the United States Government to increase your benefit every year.
How to increase Social Security (SSA) checks?
In order to have the maximum Social Security (SSA) check, it is mandatory to take three aspects into account. In addition to these three aspects, we must also bear in mind that it is not possible to increase the retirement benefit check once we have started to collect it.
If we have not yet applied for retirement, we must bear in mind that:
- We have to delay retirement as much as possible. The minimum retirement age of 62 may be tempting, but it will make us lose money every month. Ideally, we should wait until we are 70 before applying for Social Security (SSA).
- We need to have a good salary while we are working. The more we are paid, the more taxes we will pay and that will mean a bigger check in retirement.
- Working longer will give us a better Social Security (SSA) benefit. It is mandatory to work a minimum of 10 years, but that will not give us a good monthly payment. It is best to work 35 years before applying for retirement.
If we still don’t have a good Social Security payment, we can always apply for additional benefits such as Supplemental Security Income or SNAP Food Stamps to help us pay for all our usual expenses.
Source: Seniors born in these years are getting a new SSA payment with a 2025 increase
