As the new year begins, Social Security beneficiaries can anticipate their scheduled payments. The Social Security Administration (SSA) distributes monthly payments based on specific schedules, which vary depending on factors like the type of benefit and the recipient’s date of birth.
How Social Security Payments Are Scheduled
- Retirement, Disability, and Survivor Benefits
Beneficiaries of Social Security retirement, disability, and survivor (RSDI) benefits who filed claims after May 1, 1997, are assigned payment dates on either the second, third, or fourth Wednesday of the month.- Second Wednesday: For birthdays between the 1st and 10th.
- Third Wednesday: For birthdays between the 11th and 20th.
- Fourth Wednesday: For birthdays between the 21st and 31st.
- Supplemental Security Income (SSI)
SSI recipients, including individuals with disabilities or older adults with limited income and resources, typically receive payments on the 1st of each month. However, if the 1st falls on a weekend or holiday, payments are issued on the previous weekday. - Special Schedule for Long-Time Beneficiaries
Those who began receiving SSA benefits before May 1997 have a fixed payment date, typically the 3rd of each month.
January 2025 Payment Dates
Here’s when beneficiaries can expect their payments for January:
- SSA Benefits (Filed Before May 1997): January 3
- SSA Benefits by Birth Date:
- Birthdays between the 1st and 10th: January 8
- Birthdays between the 11th and 20th: January 15
- Birthdays between the 21st and 31st: January 22
- SSI Benefits:
- January’s SSI payment: December 31 (due to New Year’s Day holiday)
- February’s SSI payment: January 31 (as February 1 falls on a Saturday)
What to Do If a Payment Is Missing
If a scheduled payment is delayed or missing, follow these steps:
- Contact Your Bank or Financial Institution
Confirm if there’s been a delay in posting the payment. - Report the Issue to the SSA
If the payment is still missing, report it to the Social Security Administration. Call 1-800-772-1213 (TTY: 1-800-325-0778) or visit your local SSA office.
The SSA reviews cases of delayed or missing payments and, if necessary, will issue a replacement.
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