When will Social Security COLA letters for 2025 arrive? Need it for Mom's assisted living
Does anyone know exactly when the Social Security Administration sends out their COLA (Cost of Living Adjustment) letters for 2025? My mom lives in an assisted living facility, and they're already asking for proof of her new benefit amount for next year's housing assistance calculations. Her facility needs this documentation by early December for their 2025 financial planning, and I'm getting nervous we won't have it in time. The office manager said they absolutely need the official SSA letter showing her new benefit amount, not just my word about what the increase might be. Has anyone received theirs yet or know when they typically arrive? TIA!
16 comments
Carlos Mendoza
They usually send those letters out in early December! SSA announces the COLA amount in October, but the actual notification letters don't go out til around the first week of December. My dad's facility needed the same thing last year & we were cutting it close.
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Ingrid Larsson
•That's cutting it really close for us! Her facility wants paperwork by December 10th. I wish they'd send them earlier considering how many seniors need this for housing calculations.
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Zainab Mahmoud
The COLA notification letters are typically mailed throughout December, with most beneficiaries receiving them by the end of the month. The exact timing can vary depending on your mother's Social Security number and the SSA's processing schedule. However, there's another option - once the COLA is implemented, your mother can log into her my Social Security account online and print her benefit verification letter showing the new amount. This is available before the paper notices arrive. The online benefit verification letters are typically updated in early December. If your mother doesn't have an online account, you might want to help her set one up at ssa.gov/myaccount. Alternatively, if she's granted you authorization to manage her affairs, you might be able to access this information for her.
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Ingrid Larsson
•Thank you so much for this detailed information! My mom doesn't have an online account (she's not tech-savvy at all), but I do have her power of attorney. I'll look into setting up the online account for her. I had no idea we could get the verification letter online before the paper version arrives - that would solve everything!
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Ava Williams
The letters NEVER come when they say they will!!!! Last year they said early December but mine didn't show up until DECEMBER 27TH which was way too late for my housing recertification!!! I had to get my building manager to give me an extension and they were NOT HAPPY ABOUT IT. Call your local SSA office NOW and ask them to give you a letter. sometimes they can print one for urgent housing needs.
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Ingrid Larsson
•Oh no, that's exactly what I'm worried about! I've been trying to call our local office for days but can't get through to anyone. It just rings forever or disconnects me.
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Raj Gupta
my moms in assisted living to. they told her the cola will be 2.5% this year but she hasnt got her letter yet either
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Lena Müller
•That 2.5% figure isn't confirmed yet. The official COLA announcement doesn't happen until mid-October when the September CPI-W numbers are released. Anything before that is just speculation. The final percentage will be announced around October 12-13, 2025. Only after that announcement will the SSA calculate everyone's new benefit amounts and start preparing those letters.
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TechNinja
I had a similar issue last year with my uncle's retirement community. Instead of waiting for the letter, I helped him call the SSA directly at 1-800-772-1213 to request a benefit verification letter. However, it was nearly impossible to get through - I spent hours on hold over multiple days. I finally discovered Claimyr (claimyr.com) which got us connected to an agent in under 30 minutes. They have a service that helps you skip the long phone queues when calling Social Security. You can see how it works in their video: https://youtu.be/Z-BRbJw3puU Once we got through to SSA, they were able to mail a benefit verification letter showing the upcoming year's amount. Some SSA agents can even email the verification letter if your situation is urgent. Definitely worth trying since early December might be too late for your mom's facility deadline.
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Ingrid Larsson
•Thank you for the recommendation! I've been pulling my hair out trying to get through to SSA. I'll check out that service - at this point, I'd try anything to avoid having my mom's housing assistance delayed. Did they email the verification to your uncle right away or was there still a waiting period?
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TechNinja
•In our case, they mailed it, and it took about 5 business days to arrive. But that was for a non-urgent situation. When you get through, emphasize that this is for housing assistance with a strict deadline. Some offices can email you the verification letter if it's truly urgent - it depends on the agent and office policies. Good luck!
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Keisha Thompson
My mom's nursing home asks for this every year too. So annoying! The letters usually come after Thanksgiving.
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Lena Müller
To give you the most accurate information: The Social Security Administration typically sends COLA notification letters throughout December. The exact mailing schedule varies by beneficiary. However, for your specific situation, there are three options you can pursue immediately: 1. Your mother can get a benefit verification letter showing her 2025 amount through her my Social Security account online starting in early December (usually before paper notices mail). 2. Call the SSA at 1-800-772-1213 and request an exception for an early benefit verification letter, explaining it's required for housing assistance with a firm deadline. 3. Contact your mother's assisted living facility administrator and ask if they'll accept an interim document. Many housing providers are familiar with SSA's timeline and may accept a current benefit letter with a note about the announced COLA percentage (once officially announced in October). I recommend pursuing all three options simultaneously to ensure you meet the December 10th deadline.
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Ingrid Larsson
•Thank you for these detailed options! I'm definitely going to try all three approaches. I hadn't thought about asking the facility if they'd accept an interim document with the current letter plus the COLA percentage - that's a great idea if all else fails.
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Ava Williams
WAIT!! If you have a mySSA account you can get the updated benefit letter online in early December!! Thats what I did last year after waiting FOREVER for the paper letter!!! Go to ssa.gov and make an account if you dont have one!
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Ingrid Larsson
•Several people have mentioned this now - I definitely need to set this up! I have her POA so hopefully I can manage it for her. This sounds like the most reliable solution by far.
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