If your birthday falls between the 11th and 20th of any month, you are in the second group of Social Security payments. In March 2025, your money will arrive on Wednesday the 19th. Just remember to meet the eligibility requirements, so everything goes smoothly. Mark that date on your calendar so you don’t miss it.
Were you born between the 21st and the 31st? Then the third group corresponds to you. In March 2025, your payment will land on Wednesday the 26th. However, keep in mind that if you receive SSI or retirement benefits before 1997, the dates may vary. But for this group, the 26th is the key day.
Social Security benefits: good news for your pocket
Social Security adapts to inflation, and by 2025 a COLA of 2.5% will be applied, which translates into more money each month. For example, if you retire at age 67, you could receive up to $4,043 per month. However, if you decide to wait until age 70, the benefit increases to $5,108 per month.
It is important to remember that these amounts are only awarded if you have contributed the maximum for 35 years. This adjustment helps maintain the purchasing power of the beneficiaries, ensuring that their income adjusts to the economic reality of the country.
How does it compare to 2024? The jump is notable. Last year, the maximum at 70 was $4,873, so the increase is not just because of the COLA, but also because of delaying retirement. If you are planning when to retire, this could be a game changer.
Income limits: what you should know to avoid surprises
Here’s a key fact: in 2025, you will only pay Social Security taxes on the first $176,100 you earn. If you exceed that figure, the surplus is not touched. But be careful, this is only for high incomes.
If you have not yet reached full retirement age (67 for those born in 1960 or later) and are still working, there are additional rules. For example, if your annual income exceeds $23,400, $1 will be deducted from your benefit for every $2 you exceed that limit.
However, when the month comes in which you fully retire, this cap rises to $62,160 for 2025. This gives you greater flexibility, since from that moment on you will be able to work without your income affecting the amount of your benefits. After you reach full retirement, nothing will stop you!
If you are part of the SSDI program, keep in mind the established income limits. By 2025, you can receive up to $1,620 per month without affecting your benefits, or $2,700 if you are blind. This detail is essential if you want to combine work with disability support, as it allows you to plan your income without surprises.
