Bigger Social Security Checks: More Help for Utility Bills & Daily Expenses

With energy and utility costs rising across the U.S., millions of Social Security beneficiaries are set to receive larger monthly payments in 2025, providing much-needed relief.

Thanks to a 2.5% Cost of Living Adjustment (COLA), retirees, disabled individuals, and SSI recipients will have extra money to help cover essential expenses like electricity, heating, water, and internet.
 

How Much More Will You Get?

The COLA increase ensures that Social Security benefits keep up with inflation, giving Americans extra financial support:

• Average Social Security check in 2024: $1,920
• New estimated monthly payment in 2025: $1,968
• Maximum monthly benefit: $5,180 for those retiring at age 70

For Supplemental Security Income (SSI) recipients, who often struggle with basic household expenses, payments have also increased:

• New SSI payment for individuals: Up to $967 per month
• SSI for couples: Up to $1,450 per month

Higher Earnings Limits for Early Retirees

If you claim Social Security before Full Retirement Age (FRA), you can earn more in 2025 before benefits are reduced—helping you manage bills more easily.

• 2024 earnings limit: $22,320 per year
• New 2025 limit: $23,400 per year

For those reaching FRA in 2025, the earnings limit increases to $62,160 per year.

There are programs designed to help you—see what you’re eligible for here.

How This Helps Cover Utility & Energy Bills

Higher Social Security and SSI payments mean more financial flexibility to cover monthly bills, including:

• Electricity & heating costs – With energy prices fluctuating, this increase can help retirees keep their homes warm in winter and cool in summer.
• Water & sewer bills – Rising costs make these basic needs harder to afford for fixed-income individuals.
• Internet & phone services – Staying connected is crucial, especially for seniors relying on telehealth and online services.

Tip: If your utility bills still feel overwhelming, check if you qualify for state energy assistance programs like the Low Income Home Energy Assistance Program (LIHEAP) or Utility Discount Programs (UDP).

Visit Benefits.gov to find energy relief programs in your state.

When Will You Get Paid?

Social Security payments are distributed based on birth dates:

• March 12 – Birthdays between the 1st and 10th
• March 19 – Birthdays between the 11th and 20th
• March 26 – Birthdays between the 21st and 31st

SSI recipients will receive their next check on April 1st.

Take Advantage of the Extra Cash

With higher Social Security and SSI payments, beneficiaries have more money to manage their utility bills, groceries, and everyday expenses.

If you need additional assistance, check out federal and state programs that provide utility bill discounts, energy relief, and food support.

For more details about your 2025 benefits, visit SSA.gov or contact your local Social Security office.

Previous article: Struggling with Utility Bills? You May Qualify for an Extra $967 in SSI

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