The Social Security Administration (SSA) provides financial support to eligible spouses and children, offering essential benefits for families affected by retirement, disability, or the loss of a loved one.
These benefits include Retirement, Survivors, and Disability Insurance (RSDI) payments, which play a crucial role in assisting many Americans in managing their financial needs.
2025 COLA Update: Social Security Benefits Increase
The 2025 Cost of Living Adjustment (COLA) has resulted in a $3,761 average payment for a widowed mother and two children, which represents an increase from the previous $3,669 in 2024.
This COLA adjustment has positively impacted families, making it easier for them to cope with rising living costs.
For workers receiving RSDI benefits due to disability, or for a spouse and dependent children, the average payment has also increased. After the 2025 COLA update, the payment is now $2,826, up from $2,757.
Payment Schedule for May 2025
The Social Security Administration schedules its monthly payments, and based on your birth date, you will receive your benefit on specific Wednesdays in May 2025. Here’s a breakdown:
| Payment Date | Eligible Birthdays |
|---|---|
| May 14, 2025 | Born between 1st-10th |
| May 21, 2025 | Born between 11th-20th |
| May 28, 2025 | Born between 21st-31st |
- If your birthday falls between May 1 and 10, you will receive your payment on May 14.
- Those born between May 11 and 20 will get their payment on May 21.
- If your birthday is between May 21 and 31, your payment will arrive on May 28.
It’s important to note that individuals receiving Supplemental Security Income (SSI) will not be eligible for these Wednesday payments. Also, RSDI recipients who began their benefits before May 1997 will need to wait until the June 3, 2025 payment date.
Eligibility for Survivor Benefits
If you are a widow or widower, or if you’ve lost your spouse, it is essential to check if you qualify for Social Security survivor benefits.
To determine eligibility, you can consult the worker’s statement, which provides insight into potential survivor benefits, Social Security Disability Insurance (SSDI), and retirement benefits.
Who Is Eligible for Survivor Benefits?
- Widows/Widowers: If your spouse has passed away and they paid enough Social Security taxes during their working years, you may be eligible for monthly benefits.
- Divorced Spouses: A divorced spouse may still qualify for survivor benefits, as long as they were married to the deceased for at least 10 years.
- Dependent Parents: If you are a dependent parent of a deceased worker who paid sufficient payroll taxes, you could qualify for benefits as well.
For further assistance or to apply for survivor benefits, visit the official SSA website at: www.ssa.gov/survivor.
Social Security benefits serve as a vital resource for families, especially in times of need. Whether you are a widowed parent, a disabled worker, or a surviving spouse, understanding the eligibility requirements, payment schedules, and the 2025 COLA adjustment can help ensure you receive the support you are entitled to. For detailed assistance, always refer to the Social Security Administration website.
FAQs
How Much Is the Average Survivor Benefit for a Widowed Mother with Children?
A widowed mother with two children can receive an average payment of $3,761 after the 2025 Cost of Living Adjustment (COLA). This represents an increase from $3,669 in 2024.
When Will My Social Security Payment Be Sent?
Social Security payments are issued based on your birth date. Payments in May 2025 will be sent on May 14, May 21, or May 28, depending on when your birthday falls within the month.
Who Can Qualify for Survivor Benefits from Social Security?
Survivor benefits are available to widows, widowers, divorced spouses (if married for 10 years or more), and dependent parents of workers who paid enough Social Security taxes. Eligible individuals can apply or check their eligibility at the official SSA website.