Cola For 2025 Projection. The latest cola is 3.2 percent for social security benefits and ssi payments. If you don’t have an account yet, you must create one by november 14, 2025, to receive the 2025 cola notice online.

Beginning in january 2025, checks reflecting those increases were sent to the. Given the recent high cola of 8.7% in 2025 and the anticipated lower increase in 2025, individuals nearing retirement should weigh the benefits of claiming now versus waiting.