If you’re someone who relies on Social Security to get by each month, here’s some good news: a COLA boost is on the way! On May 28, 2025, many Social Security recipients will see a slightly bigger check than before. Sounds great, right? But wait—who actually qualifies, and what does this mean for your wallet?
What Is the Social Security COLA Boost?
First things first—COLA stands for Cost-of-Living Adjustment. Every year, the government looks at inflation (how much prices are going up) and decides if Social Security payments should rise to keep up. Think of it like a little extra cash to help cover your growing grocery or gas bill.
For 2025, the COLA adjustment has kicked in again, and those who are eligible will start seeing this extra bump in their Social Security payments starting May 28. It’s not a massive raise, but every bit helps, right?
Who Gets This Payment?
Now you’re probably wondering—am I going to get this boost? Great question!
Here’s the deal: if you’re already getting Social Security benefits, you might be eligible. This includes:
- Retirees
- People receiving Social Security Disability Insurance (SSDI)
- Survivors of deceased workers
- Supplemental Security Income (SSI) recipients
If you started receiving benefits before May 2025, you’re likely already on the list. The payment on May 28, 2025, will include your usual benefit amount plus the COLA increase.
Why Is the Payment Coming on May 28?
Social Security payments are sent out based on your birthdate, and May 28 lands on a Wednesday—the usual day for those born in the fourth week of any month to receive their benefits.
If you don’t get your payment on that exact day, don’t panic. Sometimes, banks or mail delays can slow things down. Just give it a day or two, and if nothing shows up, then it’s time to contact the Social Security Administration (SSA).
How Much More Will You Get?
Okay, let’s be honest—the increase isn’t life-changing, but it’s still welcome. While the exact number depends on your individual benefits, most people will see a small percentage increase based on the COLA rate set for 2025.
Let’s say your check was around $1,500 before. You could be looking at around $40–$50 more per month, give or take. Not huge, but over the year? That adds up!
Do You Need to Do Anything to Get It?
Nope! That’s the beauty of it. The COLA adjustment happens automatically. You don’t need to apply, call, or fill out any forms. As long as you’re already receiving Social Security benefits, the updated amount will just show up in your next check.
Easy peasy.
What If You’re Not Getting Social Security Yet?
If you’re not yet receiving Social Security—but you think you’re eligible—you can still apply. The sooner you apply (if you’ve hit the right age or qualify through disability or family status), the sooner your benefits—and any future COLA increases—kick in.
And hey, better to start the process now than later, right?
How to Check Your Payment Details
Want to be sure of your amount or payment date? The My Social Security online account is the best place to check. You can view your full benefits, payment history, and even set up direct deposit if you haven’t already.
It’s quick, secure, and saves you a phone call.
Conclusion
So, here’s the bottom line: the Social Security COLA boost is here to help ease some of that financial pressure, and if you’re receiving benefits, there’s a good chance you’ll see a bit more money in your May 28, 2025 payment. No extra steps, no red tape—just a little bit more in your pocket to help with life’s rising costs.
Stay informed, double-check your details, and make sure you’re getting everything you’re entitled to. Every dollar counts!
FAQs
What is a COLA boost?
It’s a Cost-of-Living Adjustment added to Social Security payments to help match inflation.
Who qualifies for the May 28, 2025 COLA payment?
Anyone already receiving Social Security benefits like retirement, SSDI, SSI, or survivor benefits.
How can I check if my payment has been updated?
Log in to your “My Social Security” account online to see your updated benefits and payment schedule.
Do I need to apply to get the COLA increase?
Nope! It’s automatic. If you’re eligible, the extra amount shows up in your regular check.
What if I don’t see my payment on May 28?
Give it a couple of days. If it’s still missing, contact the Social Security Administration.