Social Security January Payment Schedule: What’s Changing in 2024?

Social Security payments for January will start arriving on January 3rd and continue until the 31st. When you receive, your payment depends on your birthday and the type of benefits you receive. Let’s take a closer look at how the schedule works.

How Social Security Payments Work

The Social Security Administration (SSA) sends monthly benefits based on the day of your birthday. If you filed your claim after May 1, 1997, you’ll get your payment on one of the Wednesdays of the month – either the second, third, or fourth Wednesday, depending on your birth date. However, if you applied for benefits before May 1997, you have a specific payment date.

Those who receive Supplemental Security Income (SSI) will receive their benefits on the 1st of the month. If the 1st falls on a weekend or holiday, payments will be sent the day before. So, for January 2025, the SSI payment will be made on December 31st since January 1st is a holiday.

Social Security Payment Increase in 2025

Good news for seniors! There will be a small increase in monthly Social Security checks this year. The cost-of-living adjustment (COLA) for 2025 is 2.5%, which adds nearly $50 to the average monthly benefit of $1,900. While this is slightly lower than the 3.2% COLA increase from 2024, it is still consistent with the average 2.6% increase over the past 20 years.

When Will You Receive Your First Payment in January 2025?

Here’s a breakdown of when you can expect to receive your Social Security payment in January 2025:

• Friday, January 3 – If you receive SSI, are enrolled in a Medicare Savings Program, live overseas, or have been receiving Social Security benefits since before May 1, 1997, you’ll receive your payment on January 3rd.
• Wednesday, January 8 – If your birthday falls between the 1st and 10th of your birth month, your payment will be on January 8th.
• Wednesday, January 15 – If your birthday falls between the 11th and 20th, your payment will be on January 15th.
• Wednesday, January 22 – If your birthday falls between the 21st and the end of the month, you’ll get your payment on January 22nd.
• Friday, January 31 – If you only receive SSI and no other Social Security benefits, you’ll get your payment on January 31st.

Important Dates to Keep in Mind

• Since New Year’s Day is a holiday, the first SSI payment of the year will be sent on New Year’s Eve, December 31st.
• February 1st falls on a Saturday, so February’s SSI payment will be sent out on January 31st.

If you’re looking for a full 2025 schedule, check out our detailed article on the Social Security Payment Schedule for 2025.

What to Do if You Don’t Receive Your Payment

If you don’t receive your payment on the scheduled date, first check with your bank or financial institution. There may be a delay in processing. If the payment is still missing, you can call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778) or visit your local Social Security office for assistance.

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