The 2025 COLA increase will boost Social Security benefits (retirement and SSDI), as well as SSI benefits, by about 2.5%. However, the maximum Social Security Benefits for workers who file for retirement at Full Retirement Age has increased a lot more.
As a matter of fact, the Maximum Social Security Benefits at FRA is $3,822 in 2024. But those who qualify for this maximum payment in 2025 will get more than 2.5%.
2025 COLA Brings New Maximum Social Security Benefits at FRA
The latest COLA Fact Sheet for 2025 states that the new maximum amount for retirees who file at Full Retirement Age will be $4,018 per month. Since the current maximum amount at FRA is $3,822, there will be a $196 increase.
The increase from $3,822 to $4,018 represents a staggering 5.13%. As you can see, those who qualify for the largest benefits can take advantage of a higher boost.
Those who delay filing for Social Security can benefit from delayed credits. This will mean getting 24% extra if they file at Full Retirement Age. What is more, the maximum amount if you file at 70 is $5,108.
How to Achieve $4,018 in 2025 After the COLA Increase
Bear in mind that in order to receive the largest Social Security payments with the COLA boost, you must comply with the requirements the Agency set. For example, if you have a job and you do not pay taxes to SSA, you will not be eligible for these retirement benefits.
The number of years you work also matters. Even if you can get a small retirement check at 62 if you have just worked for ten years with 40 work credits, to get $4,018, you will need many more years. The age is also essential. So, if you do not file at FRA you will not qualify.
High earners have more chances to get such a large Social Security check in the USA. Summing up you must:
- file at FRA
- work in jobs that pay enough Social Security taxes
- earn the contribution and benefit base (at least for 35 years)
- work for 35 years or more