If you’re receiving Social Security benefits, you may notice something different about your deposit this month — it could be bigger. A new round of payments averaging $1,875 is starting to hit bank accounts in April 2025, and for many folks, it couldn’t come at a better time.
This increase reflects the recent cost-of-living adjustment (COLA) and is part of the regular monthly rollout, but the higher dollar amount is definitely grabbing attention. Whether you’re already retired, receiving disability benefits, or collecting as a surviving spouse, here’s what you need to know about the boost — and when to expect it.
Why Are Payments Going Up?
Every year, the Social Security Administration adjusts monthly payments to keep up with inflation. This year’s COLA increase is 3.2%, which took effect in January 2025. That means more money in your pocket starting this spring.
So where does the $1,875 figure come from? That’s the average monthly payment for many retired workers now — though some will receive more and others less. If you had a strong earnings record during your working years and waited until full retirement age (or even longer) to claim benefits, you’re probably on the higher end of the payment scale.
Some individuals, especially those who worked longer or delayed retirement, could see amounts over $2,000 this month.
Who’s Eligible for the $1,875 Payment?
To be clear, not everyone will get exactly $1,875. Social Security benefits are tailored to each person’s earnings history and situation. But here’s a quick rundown of who might be seeing this kind of payment:
-
Retired Workers: Especially those who waited until full retirement age (66–67) to collect.
-
People Receiving Disability (SSDI): Though their amounts may differ slightly.
-
Survivors and Spouses: If you’re receiving benefits based on someone else’s work history, you may still see a boost.
-
Those With Long, High-Earning Careers: More work years and higher wages = higher checks.
If you’re already receiving benefits, this increase happens automatically — no action needed. But if you’re not sure what you’ll get, don’t worry. There’s an easy way to find out (more on that below).
When Will the Payments Arrive?
Social Security doesn’t send payments all at once — they go out based on your birthday. Here’s the April 2025 payment schedule:
-
April 3: For people who started receiving benefits before May 1997
-
April 10: If your birthday falls between the 1st and 10th
-
April 17: For birthdays between the 11th and 20th
-
April 24: If your birthday is between the 21st and end of the month
Most folks get their payments via direct deposit, which means it should hit your bank account on the date listed. Paper checks can take a few extra days to arrive in the mail.
What If Your Payment Is Missing or Looks Off?
If your deposit doesn’t show up when expected, the SSA recommends waiting at least three business days before calling. Sometimes it’s just a delay in bank processing or the mail.
Also, keep in mind that some people might see a slightly smaller amount if things like Medicare premiums are deducted from their check.
Bottom Line
This new $1,875 Social Security payment is already landing in accounts this month — and for many retirees, it’s a much-needed financial lift. The increase reflects a continuing effort to help benefits keep pace with rising costs, and it’s arriving without any extra steps needed on your part.
If you’re unsure whether you’re eligible or just want to confirm your payment, checking online is fast and easy. And if you haven’t signed up for direct deposit yet, now might be a good time to consider it — your money will get to you faster and safer.
So check those dates, log in to your SSA account, and keep an eye on your bank statement. That $1,875 payment might already be on the way.
