The SSA changes or tweaks Social Security every year. This year, the SSA also changes or tweaks SSI, SSDI, and other parts of Social Security. These are given in this book. Some of the most important changes are the change in the COLA, the change in SSI and SSDI, the change in retirement benefits, the change in who can get each benefit, and the change in the maximum taxable wages. These changes will be looked at in this guide, along with how they affect people living in the US.
Millions of people in the US rely on SSA benefits because they are their main source of income. The SSA benefits they get are set and help them stay financially stable every month. That being said, they will help people who are claiming Social Security more, and with these changes, more benefits will be given. The more money that retirees and veterans get, the easier it is for them to handle their rising costs.
5 Major Changes In Social Security 2025 By SSA
1) Changes in the Maximum Taxable Earnings: The maximum taxable earning is the amount of money that is taxed by social security. Any income above this amount is not taxed for social security reasons. This cap has been raised for 2025. Here is the rise for 2024 and 2025:
| Maximum Taxable Earnings | 2025 | 2024 | Raise |
| OASDI | $1,76,100 Per Year | $1,68,600 Per Year | $7,500 Per Year |
2) COLA Change 2025: The COLA changes the rewards to reflect changes in prices and the cost of living. COLA figures out how much money you need based on inflation and the cost of living. The COLA was 3.2% in 2024 and is now 2.5% in 2025. This means that the benefits were raised by 3.2% in 2024 and by 2.5% now.
3) SSA Benefits Eligibility Changes 2025: Because of changes in the cost of living allowance (COLA), benefits like SSI, retirement, and SSDI will be different. Not only does the amount change because of COLA, but so do the income limits. Here are the salary limits for SSDI and retirement benefits:
| 2025 | 2024 | Raise | |
| Non Blind | $1,620 Per Month | $1,550 Per Month | $70 Per Month |
| Blind | $2,700 Per Month | $2,590 Per Month | $110 Per Month |
| Trial Work Period | $1,160 Per Month | $1,110 Per Month | $50 Per Month |
| Retirement Benefit | 2025 | 2024 | Raise |
| Under FRA | $23,400 Per Annum | $22,320 Per Annum | $1080 Per Annum |
| At FRA | $62,160 Per Annum | $59,520 Per Annum | $2640 Per Annum |
4) SSA Benefits Amount Changes in 2025: The amounts of SSI, SSDI, and retirement benefits also change because of the COLA. Take a look at the new rates compared to the old ones:
| Status | 2025 | 2024 | Raise |
| Individual | $967 Per Month | $943 Per Month | $24 Per Month |
| Couple | $1,450 Per Month | $1,415 Per Month | $35 Per Month |
SSDI Amount:
| Year | 2025 | 2024 | Raise |
| SSDI Amount | $4,018 Per Month | $3,822 Per Month | $196 Per Month |
| Average Payment Amount | $1,580 Per Month | $1,542 Per Month | $38 Per Month |
| Average Payment with dependents | $2,826 Per Month | $2,757 Per Month | $69 Per Month |
Retirement Benefit Amount:
| Year | 2025 | 2024 | Raise |
| At the 70 Years of Age | $4,018 Per Month | $3,822 Per Month | $196 Per Month |
| Average Payment | $1,976 Per Month | $1,927 Per Month | $49 Per Month |
5) Changes in FRA: The full retirement age in the US is currently 67 for those who are retiring now.
