Social Security cola 2025 ke fawaid min azafah

Social Security cola 2025 ke fawaid min azafah

Social Security ka 2025 Cost-of-Living Adjustment (COLA) ka Elan Kar Diya Gaya Hai. Ye Hai Kitna Wazeh Faida Hoga.

Social Security cola 2025 ke fawaid

Apko apne 2025 ke faiday ka andaza lagane ki zaroorat nahi rahi.

Maheenon ki tashweesh ke baad, Social Security Administration ne aakhirkar 2025 ke cost-of-living adjustment (COLA) ka elan kar diya hai. Ye COLA December 2024 ke faiday ke sath apke checks mein shamil kiya jayega, jo apko January 2025 mein milega.

Yeh COLA sabse chhota hai jo humne 2021 se dekha hai. Bohat se logon ne iski umeed ki thi Q ke mehengai ab ghat gayi hai, magar jo log kuch arsay se Social Security checks ke sath guzara kar rahe hain...unke liye...yeh phir bhi maayusi ka sabab hai. Yeh baat yaad rahe ke COLA ek percentage hota hai, koi fixed dollar value nahi. Har shakhs ke Social Security checks mein alag alag izafa hoga. Apne COLA ka izafa calculate karna mushkil nahi hai, lekin agar aap ek tezi se andaza lagana chahte hain to averages ka dekha ja sakta hai.

Social Security faiday se 2025 mein 2.5% zyada milega

2025 ka Social Security COLA 2.5% aya hai. Yeh pichlay maheenay ke The Senior Citizens League (TSCL), jo ek ghair janibdar senior group hai, ke estimates ke sath bilkul theek hai.

Yeh 2021 mein faiday se 1.3% izafa ke baad sabse chhoti COLA hai. Magar yeh pichlay 20 saalon ka 2.6% ka average ke qareeb hai. Yahan ek nazdeek se dekha ja sakta hai ke faiday mein aglay saal beneficiaries ke checks mein kitna izafa hoga:

Social Security Benefit Increases After COLA (Cost of Living Adjustment)

Beneficiary Type	Average Benefit (as of Aug. 2024)	Calculated Average Benefit After COLA	Average Monthly Benefit Increase
Retired Worker	$1,920	$1,968	$48
Spouse of Retired Worker	$910	$933	$23
Child..of..a...Retired Worker	$893	$915	$22
Child of Deceased Worker	$1,104	$1,132	$28
Widowed Parent	$1,286	$1,318	$32
Nondisabled Widow(er)	$1,785	$1,830	$45
Disabled Widow(er)	$928	$951	$23
Parent of Deceased Worker	$1,620	$1,661	$41
Disabled Worker	$1,540	$1,579	$39
Spouse of Disabled Worker	$422	$433	$11
Child of Disabled Worker	$492	$504	$12

Data source: Social Security Administration. Sab faiday ke amount qareebi dollar mein round off kiye gaye hain.

Yeh averages hain, aur agar apke current checks 2024 ke faiday se zyada hain to apko bhi zyada Manafa milega.

Asal formula 2025 ke Social Security amount ka hisab karne ka thoda complex hai, lekin agar ap apne current checks mein 2.5% izafa karen to ap apne aglay saal ke faiday ka acha andaza laga sakte hain. Shayad ek ya do dollar ka farq ho lekin yeh andaza kaafi accurate hoga.

Social Security Administration aapko December mein mail ke zariye ek personalized COLA notice bhejegi jisme aapka exact 2025 faida hoga. Aap December ke shuru mein apne my Social Security account se bhi yeh notice access kar sakte hain agar aapka account hai.

Ab kya karna hai

Ab jabke apko apne 2025 Social Security checks ka kuch andaza ho gaya hai, aap apna agla saal ka budget plan kar sakte hain. Magar budget banane se pehle, yeh sochna zaroori hoga ke kya apko aglay saal Social Security benefit taxes dene parenge ho.

Yeh ek federal tax hai jo Social Security beneficiaries dete hain agar unka provisional income — adjusted gross income (AGI), kisi bhi nontaxable interest ke sath aur unke saal ke Social Security benefit ka aadha — $25,000 se zyada ho aik fard ke liye ya $32,000 se zyada ho shaadi shuda couple ke liye. Iske natijay mein apko apne Social Security checks par 85% tak ka ordinary income tax dena par sakta hai.

Donald Trump is tax ko khatam karna chahte hain, lekin koi guarantee nahi ke agar wo November mein elect bhi ho jayein to yeh ho paye. Is liye agar aapko lagta hai ke apki provisional income itni zyada hogi, to in taxes ka plan banana behtar hoga. Aap in taxes ke liye funds rakhen aur zarurat parne par saal ke aakhir mein yeh pay karen. Ya phir ap Form W-4V bhar kar IRS se request kar sakte hain ke wo har check ke sath kuch paise taxes ke liye upfront wapas le lein. Agar saal ke dauran kuch zyada paise taxes ke liye wapas le liye gaye hain, to apko apni tax return ke waqt yeh paisa refund mil jayega.

Yeh yaad rakhen ke 9 states abhi bhi kuch seniors ke Social Security benefits par tax lagate hain. Agar aap in mein se kisi state mein rehte hain, to yeh bhi check karen ke 2025 COLA ke izafay se aapko yeh taxes dene parenge ya nahi. Agar haan, to in expenses ko apne 2025 ke budget mein shamil kar lein, taake tax time par aapko kisi qisam ka surprise na ho.

$22,924 ka Social Security bonus jo zyadatar retirees nazarandaz kar dete hain

Agar ap bhi zyadatar Americans ki tarah hain, to ap apne retirement savings mein kuch saal (ya is se zyada) peeche hain. Magar kuch kam ilmi Social Security "raaz" apki retirement income ko barhawa dene mein madad kar sakte hain. Misal ke taur par: ek aasaan tareeqa apko har saal takreeban $22,924 zyada de sakta hai! Jab aap yeh seekhte hain ke kaise apne Social Security benefits ko maximize karna hai, hum samajhte hain ke ap yaqeen ke sath retire kar sakte hain, jo apko dimaag ki sukooniyat dega jo hum sab chaahte hain.