Social Security COLA adjustment letters for 2025 - why did husband get his but I'm still waiting?

They definitely send them out in waves. I got mine on November 12th, but my sister (who lives in another state) didn't get hers until almost two weeks later. I wouldn't worry about it yet - SSA staggers these mailings based on your birthday, benefit type, and sometimes just random batching. Give it until early December before you panic.

The Social Security Administration typically sends out COLA notices throughout November and early December. The schedule often follows a pattern based on birthday and benefit type (retirement vs. disability vs. SSI). For 2025, they're estimating a 2.5% increase for most beneficiaries. You should be able to see your updated benefit amount in your MySocialSecurity account by early December. If you don't receive your letter by December 10th, that's when I'd recommend calling SSA for clarification. There's rarely any issue with the COLA adjustment itself - it's automatically calculated and applied to all recipients.

got mine yesterday!!!! my check went up $58 which is better than nothing i guess lol

They definitely send them out in waves throughout November and December. I usually got mine late because my last name starts with W. One year I didn't receive it until after Christmas! But the increase was still in my January payment.

As a retired SSA claims representative, I can confirm they send these notices out in batches over 3-4 weeks. The online MySocialSecurity portal should display your 2025 benefit amount by December 1st regardless of when your paper notice arrives. You can also call SSA at 1-800-772-1213 to verify your new benefit amount, but wait times this time of year are extremely long due to everyone calling about their COLA notices. The 2025 COLA is approximately 2.5%, so you could roughly calculate your new amount by multiplying your current benefit by 1.025 to get a good estimate until your official notice arrives.

I've been trying to call SSA for 2 WEEKS about my COLA letter (and other issues) and CANNOT get through to anyone!!! The wait times are ridiculous and half the time they just disconnect you after waiting an hour. The whole system is broken!!! Why can't they hire enough people to answer the phones???

my neighbor said they do it by birth month but idk if thats true

I wouldn't worry unless you haven't received anything by December 15th. That said, even if you don't get the letter, the increase will automatically be applied to your January payment. The notice is just informational.

Anyone else notice the Medicare Part B premium went up again?? That ate up almost half of my COLA increase! Every year they give with one hand and take with the other. My actual increase after the Medicare premium went up was only $32.

I'm in the same boat - still waiting for my COLA letter! My friend who lives across town got hers 10 days ago, but nothing in my mailbox yet. I called the post office thinking it might be a mail delivery issue, but they said SSA mail is usually pretty reliable. It's frustrating not knowing the exact amount for budgeting purposes, especially with all the end-of-year financial planning we need to do. At least it sounds like this is normal based on everyone's experiences here. I'll try that 2.5% calculation method someone mentioned and keep checking my online account in December.