Millions of Americans are preparing for changes to their Social Security benefits in 2025 as a 3.2% cost-of-living adjustment (COLA) takes effect. While smaller than last year’s increase, the raise still matters as retirees, disabled workers, and survivors face higher costs for housing, groceries, prescriptions, and utilities. For many, the question remains whether this Social Security increase will keep pace with inflation and everyday expenses.
The 3.2% Social Security COLA is expected to add about $50 per month for the average retired worker, with similar increases for SSI, disability, and survivor beneficiaries, depending on individual earnings and eligibility. As January 2025 approaches, beneficiaries should review their budget, check their December notice from the Social Security Administration, and confirm updated payments. Using trusted resources like SSA.gov, AARP, or a financial planner can help ensure this COLA supports long-term retirement and financial stability.
