Every month, the Social Security Administration (SSA) sends out payments to more than 72 million beneficiaries.
These payments are mainly for retired workers, people receiving Social Security Disability Insurance (SSDI), and individuals getting Supplemental Security Income (SSI).
If you’re one of these recipients, you may be wondering when you’ll receive your payment and if the amount will be larger this time.
Social Security Payment Schedule: When Can You Expect Your Check?
The SSA issues payments based on the recipient’s birth date. Here’s how it works:
- For people born between the 1st and 10th of any month, the payment is issued on the second Wednesday of the month.
- For those born between the 11th and 20th, payments are issued on the third Wednesday.
- For people born between the 21st and 31st, payments come on the fourth Wednesday.
However, not everyone follows this pattern. Workers who retired before May 1997 and SSI recipients get their payments at the beginning of the month, no matter their birth date.
This means some people will receive their Social Security checks earlier than others.
How Much Will Your Social Security Check Be in 2025?
In 2025, you can expect a change in the amount you receive. The Social Security Administration has made updates to the payment rates to keep up with inflation.
- For a retired worker, the average payment will be $1,976 per month. This is after a 2.5% cost-of-living adjustment (COLA) increase.
- For couples who both receive Social Security, they can get an average of $3,089 per month.
- SSI recipients will receive $967 per month for individuals and $1,450 per month for couples filing together.
This increase helps beneficiaries keep up with rising living costs and ensures that Social Security payments maintain their value over time.
Who Will Receive Social Security Payments of $1,976 on Friday, Jan. 3?
For those wondering if they’ll receive a higher payment on Friday, Jan. 3, 2025, the answer is yes – but only if you started receiving your retirement benefits before May 1997. If you fall into this category, you’ll get an average monthly payment of $1,976 on that date.
However, not everyone will be receiving their payment on January 3rd. Here’s when everyone else will get their Social Security payments in January:
- Wednesday, Jan. 8, 2025: People born between the 1st and 10th of any month will receive their payments.
- Wednesday, Jan. 15, 2025: Beneficiaries with birth dates between the 11th and 20th will get their payments.
- Wednesday, Jan. 22, 2025: If your birthday is between the 21st and 31st, this is when you’ll receive your payment.
- Friday, Jan. 31, 2025: Supplemental Security Income (SSI) recipients will receive their payment, which is actually their February payment brought forward.
Who Gets SSI Payments?
SSI payments are designed to help low-income people who are elderly, blind, or disabled.
These payments are different from regular Social Security retirement benefits, and they follow a different schedule. SSI recipients will get their payment on January 31, 2025, because their payment for February is issued early.
Important Information for Social Security Beneficiaries
- Cost-of-Living Adjustment (COLA): As mentioned, there is a 2.5% COLA increase for 2025. This means your payment amount will be higher than last year, but the exact increase depends on your situation.
- Monthly Payment Amounts: Your payment may vary depending on your work history when you began receiving benefits, and other factors. You can check the SSA website or your Social Security statement for a more accurate estimate of what you’ll receive.
- Direct Deposit: Most Social Security recipients get their payments via direct deposit. If you haven’t set up direct deposit, it’s a good idea to do so to receive your payments on time and avoid delays.
- For Those Who Need More Information: If you’re not sure when you’ll get your Social Security check, visit the official Social Security Administration website or contact them directly. They provide detailed schedules based on your date of birth and benefit type.
Conclusion
If you’re one of the Social Security beneficiaries who started receiving payments before May 1997, you’ll see an average payment of $1,976 on Friday, Jan. 3, 2025.
For others, payments will be spread throughout January, depending on when you were born.
Remember that the 2.5% COLA increase in 2025 will provide some relief from inflation, but the exact amount you receive may vary. Be sure to keep track of the schedule and check your payment details to stay updated.
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Archer Bannister is a journalist with 4 years of experience covering hard-hitting stories. Currently working with Mikeandjonpodcast, Archer specializes in delivering timely and in-depth updates on a variety of topics, including crime news, politics, and national issues affecting the USA. His expertise and dedication to delivering accurate, impactful news make him a trusted voice for audiences seeking to stay informed on critical topics.
