With the arrival of 2025, Social Security recipients can now plan their year with the updated payment schedule. Knowing when payments will arrive is key to managing finances, and this year includes a 2.5% Cost of Living Adjustment (COLA) to help combat inflation. Here’s what you need to know about Social Security payments for 2025.
How Social Security Organizes Payments
Social Security payments are organized by the type of benefit you receive and your birthdate. Payments are made on a staggered schedule to ensure timely distribution for all beneficiaries.
For SSI (Supplemental Security Income) Recipients
- Payments are made on the first day of each month. If the first falls on a weekend or holiday, payments are issued on the previous business day.
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For Beneficiaries Receiving Benefits Before May 1997
- Payments are made on the third day of each month.
For Retirees and People with Disabilities
- Payments are made on Wednesdays, based on your birthdate:
- Born between the 1st and 10th: Second Wednesday of the month.
- Born between the 11th and 20th: Third Wednesday of the month.
- Born between the 21st and 31st: Fourth Wednesday of the month.
If any of these dates fall on a holiday, payments are made in advance on the previous business day.
What’s New: The 2.5% COLA Adjustment
This year, Social Security payments will be adjusted by a 2.5% COLA, designed to help maintain beneficiaries’ purchasing power amidst inflation. While this increase is smaller than previous years, it indicates a trend towards economic normalization.
Here’s what the average payments will look like in 2025, following the COLA adjustment:
- Individual retirees: $1,976 per month.
- Retired couples (both receiving benefits): $3,089 per month.
- Individuals with disabilities (and their families): $2,826 per month.
2025 Payment Schedule
January
- Tuesday, Dec. 31, 2024: Early SSI payment (New Year’s holiday).
- Friday, Jan. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Jan. 8: Birthdates 1st-10th.
- Wednesday, Jan. 15: Birthdates 11th-20th.
- Wednesday, Jan. 22: Birthdates 21st-31st.
- Friday, Jan. 31: February SSI payment.
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February
- Monday, Feb. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Feb. 12: Birthdates 1st-10th.
- Wednesday, Feb. 19: Birthdates 11th-20th.
- Wednesday, Feb. 26: Birthdates 21st-31st.
- Friday, Feb. 28: March SSI payment.
March
- Monday, Mar. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Mar. 12: Birthdates 1st-10th.
- Wednesday, Mar. 19: Birthdates 11th-20th.
- Wednesday, Mar. 26: Birthdates 21st-31st.
April
- Tuesday, Apr. 1: SSI recipients.
- Thursday, Apr. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Apr. 9: Birthdates 1st-10th.
- Wednesday, Apr. 16: Birthdates 11th-20th.
- Wednesday, Apr. 23: Birthdates 21st-31st.
May
- Thursday, May 1: SSI recipients.
- Friday, May 2: Payments for those who began receiving benefits before May 1997.
- Wednesday, May 14: Birthdates 1st-10th.
- Wednesday, May 21: Birthdates 11th-20th.
- Wednesday, May 28: Birthdates 21st-31st.
- Friday, May 30: June SSI payment.
June
- Tuesday, June 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, June 11: Birthdates 1st-10th.
- Tuesday, June 18: Birthdates 11th-20th (adjusted due to Juneteenth holiday).
- Wednesday, June 25: Birthdates 21st-31st.
July
- Tuesday, July 1: SSI recipients.
- Thursday, July 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, July 9: Birthdates 1st-10th.
- Wednesday, July 16: Birthdates 11th-20th.
- Wednesday, July 23: Birthdates 21st-31st.
August
- Friday, Aug. 1: SSI recipients and payments for those who began receiving benefits before May 1997.
- Wednesday, Aug. 13: Birthdates 1st-10th.
- Wednesday, Aug. 20: Birthdates 11th-20th.
- Wednesday, Aug. 27: Birthdates 21st-31st.
- Friday, Aug. 29: September SSI payment.
September
- Wednesday, Sept. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Sept. 10: Birthdates 1st-10th.
- Wednesday, Sept. 17: Birthdates 11th-20th.
- Wednesday, Sept. 24: Birthdates 21st-31st.
October
- Wednesday, Oct. 1: SSI recipients.
- Friday, Oct. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Oct. 8: Birthdates 1st-10th.
- Wednesday, Oct. 15: Birthdates 11th-20th.
- Wednesday, Oct. 22: Birthdates 21st-31st.
- Friday, Oct. 31: November SSI payment.
November
- Monday, Nov. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Nov. 12: Birthdates 1st-10th.
- Wednesday, Nov. 19: Birthdates 11th-20th.
- Wednesday, Nov. 26: Birthdates 21st-31st.
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December
- Monday, Dec. 1: SSI recipients.
- Wednesday, Dec. 3: Payments for those who began receiving benefits before May 1997.
- Wednesday, Dec. 10: Birthdates 1st-10th.
- Wednesday, Dec. 17: Birthdates 11th-20th.
- Wednesday, Dec. 24: Birthdates 21st-31st.
- Wednesday, Dec. 31: January 2026 SSI payment.
By understanding this payment schedule, you can stay organized and avoid any confusion about your 2025 Social Security payments.
