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COLA Raises Social Security Benefits to Record 5,000+ in 2025 Know Challenges To do this, we would withhold all benefit payments from January 2025 through February 2025 For those born after January 2, 1954, spousal benefits will be calculated based on current rules, and Social Security will pay whichever benefit amount is higher—personal or spousal. The withholding in this case is less: $1 in benefits for every $3 in earnings.
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