In 2025, widow and widower Social Security beneficiaries received good news: the average monthly payment has increased to $1,316.11, according to the Social Security Administration (SSA). This rise, fueled by a 2.5% Cost-of-Living Adjustment (COLA) and significant legislative reform under the Social Security Fairness Act, means more income security for millions. With the repeal of both the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), the playing field is finally leveling for many public sector workers and survivors.
If you’re wondering whether you’re eligible for this benefit or how to maximize it, this guide has everything you need to know.
The $1,316 Social Security Payment: What It Means
The SSA’s official average for survivor benefits — primarily paid to widow(er)s — now stands at $1,316.11 per month in 2025. This figure reflects more than just an inflation adjustment. It represents broader reforms aimed at improving fairness and adequacy within the Social Security system.
Why This Matters
For many surviving spouses, these payments are a financial lifeline. Combined with COLA and benefit recalculations under the Social Security Fairness Act, 2025 has brought a real increase in monthly income.
What’s Driving the Increase?
| Factor | Details |
|---|---|
| Average Survivor Benefit (2025) | $1,316/month |
| COLA (2025) | 2.5% increase based on CPI-W |
| Key Law Change | Repeal of WEP and GPO (via Fairness Act) |
| Beneficiaries Impacted | Over 2 million |
| Estimated Monthly Boost | $100–$300/month for affected recipients |
The 2.5% COLA is calculated using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), helping benefits keep pace with rising costs in healthcare, housing, and other essentials.
The Social Security Fairness Act, passed in January 2025, has repealed WEP and GPO — two provisions that previously reduced benefits for public workers, such as teachers and law enforcement officers. Their removal ensures eligible individuals can now receive full survivor and spousal benefits.
Who Is Eligible for the $1,316 Benefit?
Survivor benefits apply to widows, widowers, and other family members of deceased workers who paid into Social Security. Eligibility depends on a few key factors:
General Eligibility Requirements
- Age: Must be at least 60 (or 50 if disabled); survivors can claim earlier than retirement age.
- Marital Status: Must have been married to the deceased for at least 9 months.
- Work Credits: The deceased must have earned sufficient Social Security credits (typically 10 years).
- Claim Options: Survivors can collect benefits based on their spouse’s record or switch to their own later, depending on which is higher.
Example: If your spouse earned higher benefits than you, you can collect their benefit instead of your own — whichever is greater.
Social Security Payment Dates: April 2025
Payments are issued on a staggered schedule, depending on your birthdate and type of benefit. Here’s how it breaks down:
| Date | Recipients |
|---|---|
| April 1, 2025 | SSI recipients |
| April 9, 2025 | Birthdates between 1st–10th |
| April 16, 2025 | Birthdates between 11th–20th |
| April 23, 2025 | Birthdates between 21st–31st |
Payments are typically deposited directly into your bank account. If a payment date falls on a holiday or weekend, the funds are released the business day before.
Tip: Set up direct deposit through your mySSA account to avoid delays and mail-related issues.
Understanding WEP and GPO Repeal
The Social Security Fairness Act of 2025 eliminates two controversial provisions:
- WEP (Windfall Elimination Provision): Previously reduced Social Security for those with pensions from non-covered jobs (like certain government roles).
- GPO (Government Pension Offset): Reduced spousal or survivor benefits for people with government pensions not covered by Social Security.
Impact of the Repeal:
- More than 2 million retirees are now eligible for higher monthly payments.
- Some recipients will receive retroactive backpay for previously withheld amounts.
- Many public sector retirees — such as teachers, firefighters, and police officers — will see their monthly benefits increase by $100 to $300.
How to Check Your Eligibility and Benefits
Step 1: Create or Log In to Your mySSA Account
- Visit: ssa.gov/myaccount
- View benefit estimates, payment dates, and earnings records.
Step 2: Review Your Earnings Record
- Inaccurate records can reduce your benefits.
- File a correction request if you see discrepancies.
Step 3: Confirm Benefit Updates After Repeal
- If WEP or GPO previously affected your payment, watch for updates.
- The SSA is gradually recalculating impacted accounts.
Step 4: Contact SSA for Help
- Phone: 1-800-772-1213
- Schedule a local appointment if your case is complex or involves appeals.
Maximizing Your Social Security Income
Here are some actionable steps to help you make the most of your benefits:
- Delay claiming if possible — waiting beyond age 60 can increase your survivor benefits.
- Use the Social Security Benefits Calculator to estimate your monthly income.
- Coordinate benefits with your own retirement payments for optimal timing.
- Stay informed on legislation and COLA updates through SSA newsletters or your mySSA account.
In 2025, Social Security is becoming more equitable — especially for widow(er)s and public sector workers previously affected by outdated provisions. With a higher average payment of $1,316, legislative improvements, and tools like mySSA, beneficiaries now have more control over their financial future. If you haven’t already, it’s time to verify your eligibility, review your benefits, and make sure you’re receiving everything you’ve earned.
FAQs
Can I get survivor benefits and my own Social Security at the same time?
No, you can receive only one at a time — but you’ll be paid the higher of the two amounts.
How do I know if the repeal of WEP/GPO affects me?
If you worked in a job not covered by Social Security and receive a pension, check your mySSA account or contact the SSA directly.
Are survivor benefits available before age 60?
Yes, in limited cases — such as if you’re caring for a child under 16 or disabled.
