Millions of Americans who rely on Social Security benefits will receive their monthly payments on April 9, 2025. This specific disbursement applies to individuals born between the 1st and 10th of any given month. A key question many recipients are asking is whether this payment includes a Cost-of-Living Adjustment (COLA) increase—and the answer is yes.
COLA Increase Confirmed for 2025
As announced by the Social Security Administration (SSA), a 2.5% COLA increase has been in effect since January 2025, and it continues to apply to all monthly benefits, including the one scheduled for April 9.
The COLA is designed to help beneficiaries keep pace with rising inflation. It’s calculated based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Although the 2.5% increase is lower than 2024’s 3.2%, it still provides a critical boost to fixed incomes in the face of ongoing economic uncertainty.
Who Gets Paid on April 9?
The Social Security Administration follows a staggered payment schedule based on beneficiaries’ birth dates:
- April 9 – For those born between the 1st and 10th
- April 16 – For those born between the 11th and 20th
- April 23 – For those born between the 21st and 31st
Those who began receiving benefits before May 1997 receive their payments on the 3rd of each month, regardless of their birthday.
Changes from the Social Security Fairness Act
Another reason some recipients may see higher payments starting in April is the Social Security Fairness Act, which was enacted in January 2025. This legislation repealed two controversial provisions:
- Windfall Elimination Provision (WEP)
- Government Pension Offset (GPO)
Previously, these rules reduced or eliminated benefits for public sector workers such as teachers, firefighters, and police officers who also received pensions. The repeal now allows over 3 million retirees to receive full benefits without penalty.
How Much Will Beneficiaries Receive?
With the 2.5% COLA increase in effect, here’s how the average benefits have changed:
- Retired workers: From around $1,907 to $1,954 monthly
- Couples (both receiving): From $3,033 to about $3,108
- Disabled workers: From $1,537 to approximately $1,575
Keep in mind that individual payments may vary based on earnings history, age at retirement, and eligibility factors.
When to Expect Payment and What to Do If It’s Late
If your payment is scheduled for April 9 but hasn’t arrived, the SSA recommends waiting three additional business days before taking action. If it still doesn’t show up, contact the SSA directly via:
Delays can happen, especially as the SSA continues to adjust its operations in 2025 amid staff reductions and limited identity verification via phone due to recent executive orders.
Plan Ahead for Other April Payment Dates
For easy planning, here’s a quick snapshot of April 2025 payment dates:
| Payment Date | Eligibility (Birth Date) |
|---|---|
| April 3 | Before May 1997 recipients |
| April 9 | Born 1st–10th |
| April 16 | Born 11th–20th |
| April 23 | Born 21st–31st |
Staying informed and checking your My Social Security account regularly will help ensure you’re aware of any changes:
Conclusion
In summary, the April 9, 2025, Social Security payment includes the 2.5% COLA increase, offering vital financial relief amid inflation. Beneficiaries may also see higher payments due to recent legislative changes. Staying informed through official SSA channels ensures you receive timely updates and accurate benefit details.
This article has been carefully fact-checked by our editorial team to ensure accuracy and eliminate any misleading information. We are committed to maintaining the highest standards of integrity in our content.
