Social Security $5,108 October 2025: The Social Security Administration (SSA) follows a strict monthly payment schedule based on each person’s birthday. Like:
- People born from 1st to 10th will get their money on Wednesday, October 8, 2025.
- People born from 11th to 20th will get it on Wednesday, October 15.
- People born from 21st to 31st will get it on Wednesday, October 22.
If you get money electronically it comes the same day. Paper checks will take a few more days to arrive comapred to digital ones.
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Maximum Social Security benefit
For 2025, the Social Security maximum pay is $4,018 per month if you retire at full age (66 or 67).
- If you retire early at 62, you get up to $2,831.
- If you wait till 70, you can get $5,108.
- SSI payments are $967 for one person and $1,450 for couples.
Payments come every month. If the date is on a weekend or holiday, SSA sends the money early.
October is important because SSA announces the cost-of-living increase (COLA) that starts in January. They use the Consumer Price Index (CPI-W) from July, August, and September. Usually, the exact number comes around October 15 after the BLS shares September’s data.
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Government shutdown
This year a government shutdown that started in October might slow down the release of BLS numbers and delay the official announcement of the 2026 COLA. SSA officials said, “Social Security payments will continue uninterrupted, as they are funded through an independent trust fund, protected from budget shutdowns.”
Even though the exact number is not out yet, experts think there will be a small increase. The Senior Citizens League says the 2026 COLA could be between 2.5% and 2.8%. If that happens most retirees could get an extra $40 to $60 each month which will Benefit them a lot.
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