$1,900 Social Security Checks This Summer – What You Need To Know About The New Rules And Check Process

Social Security beneficiaries will see significant changes in 2025, including a 2.5% Cost-of-Living Adjustment (COLA) that increases the average monthly payment to $1,900.

Additional updates include new legislation eliminating benefit reductions for public employees, adjustments to the Full Retirement Age (FRA), and a streamlined online application process.

If you or a loved one receives Social Security or Supplemental Security Income (SSI), staying informed about these updates can help you maximize your benefits. Let’s dive into the key changes happening this year.

Payment updates

The most notable update is the 2.5% COLA increase, designed to help beneficiaries keep up with inflation. This adjustment raises the average Social Security check from $1,850 to approximately $1,900 per month.

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COLA increase

• Rising costs of housing, healthcare, and groceries make it harder for retirees to afford basic necessities
• The increase helps Social Security recipients maintain their purchasing power
• Over 72.5 million Americans receive Social Security or SSI, making this change significant for many

To see your updated payment amount, log in to your My Social Security account and check your benefit statement.

Legislative changes

In January 2025, the Social Security Fairness Act eliminated two controversial rules that previously reduced benefits for public employees.

• Windfall Elimination Provision (WEP): Public employees (such as teachers and firefighters) who worked in non-Social Security-covered jobs saw reduced benefits if they later worked in jobs that contributed to Social Security
• Government Pension Offset (GPO): This rule lowered spousal or survivor benefits for retirees receiving public pensions

benefits

• Around 3 million retired public employees will see an increase in benefits
• Teachers, police officers, and government workers will no longer face reductions due to WEP or GPO
• The SSA will issue back payments to eligible retirees who were unfairly impacted

To check if you qualify for increased benefits, visit the official Social Security Administration (SSA) website.

Retirement age adjustments

The Full Retirement Age (FRA) has been gradually increasing, and in 2025, retirees must wait until age 67 to receive full Social Security benefits. While early retirement is still an option at age 62, doing so results in a permanent reduction in monthly payments.

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What this means

Retirement Age	Benefit Impact
62	30% reduction in benefits
67	Full Social Security benefits
70	8% increase per year delayed

Pro Tip: If you’re still working, delaying your claim can maximize your monthly benefits. Use the SSA Retirement Estimator to plan your retirement strategy.

payment updates

Supplemental Security Income (SSI) recipients will also see payment increases in 2025.

• $967 per month for individuals
• $1,450 per month for couples

Who qualifies

SSI is designed for individuals with limited income and resources, including:

• Adults 65 and older with low income
• Disabled individuals unable to work
• Blind individuals meeting SSA guidelines

To apply or update your SSI benefits, visit SSA’s SSI page.

application process

The SSA has introduced a new online application system to make it easier for beneficiaries to apply for benefits.

features

• User-friendly interface with simplified questions
• Faster application approvals, reducing wait times
• Pre-filled forms for returning applicants

This upgrade helps reduce paperwork delays and simplifies the claims process. To apply online, visit SSA’s Online Services.

FAQs