The 2025 Social Security payment schedule follows the familiar pattern that aligns with beneficiaries’ birth dates. For most recipients, payments are made on a Wednesday, based on their birthdate:
- If your birthday falls between the 1st and 10th of the month, your payment will be made on the second Wednesday.
- If your birthday falls between the 11th and 20th, your payment will be made on the third Wednesday.
- If your birthday is between the 21st and 31st, your payment will be made on the fourth Wednesday of the month.
For those who began receiving Social Security before May 1997 or are eligible for both Social Security and SSI, payments follow a different schedule, arriving on the 3rd of the month for Social Security and on the 1st of the month for SSI. Payments are moved to the previous business day if these dates fall on a federal holiday or weekend.
Schedule of Social Security benefit payments in 2025
Based on the Social Security payment schedule for 2025, here you can find all the confirmed payment dates for retirees:
Schedule of Social Security Benefit Payments 2025
| Months | Birthdays from 1st to 10th | Birthdays from 11th to 20th | Birthdays from 21st to 31st |
| January | Wednesday, January 8 | Wednesday, January 15 | Wednesday, January 22 |
| February | Wednesday, February 12 | Wednesday, February 19 | Wednesday, February 26 |
| March | Wednesday, March 12 | Wednesday, March 19 | Wednesday, March 26 |
| April | Wednesday, April 9 | Wednesday, April 16 | Wednesday, April 23 |
| May | Wednesday, May 14 | Wednesday, May 21 | Wednesday, May 28 |
| June | Wednesday, June 11 | Wednesday, June 18 | Wednesday, June 25 |
| July | Wednesday, July 9 | Wednesday, July 16 | Wednesday, July 23 |
| August | Wednesday, August 13 | Wednesday, August 20 | Wednesday, August 27 |
| September | Wednesday, September 10 | Wednesday, September 17 | Wednesday, September 24 |
| October | Wednesday, October 8 | Wednesday, October 15 | Wednesday, October 22 |
| November | Wednesday, November 12 | Wednesday, November 19 | Wednesday, November 26 |
| December | Wednesday, December 10 | Wednesday, December 17 | Wednesday, December 24 |
SSDI and SSI bonuses in 2025
In 2025, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) recipients may see slight financial adjustments due to the annual cost-of-living adjustment (COLA). Although the official COLA figure for 2025 has not yet been announced, projections from economists, including Kiplinger’s David Payne, suggest an estimated increase of 2.5%. This estimate is based on current inflation trends and data from the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
Though lower than the 2024 adjustment of 3.2%, this potential increase would still provide a modest boost to monthly payments. For instance, in August 2024, the average Social Security check was $1,920.48. If the 2.5% COLA becomes effective, the monthly average check could be raised to $1,968.48, adding about $48 to the average payment.
What is the average monthly benefit for 2025?
While the 2025 average Social Security payment will vary depending on individual circumstances like work history and the age at which benefits are claimed, the projected monthly average will likely be around $1,968.48 after applying the anticipated 2.5% COLA. Remember that these are estimates, and the official figures will be confirmed after the COLA announcement.
How to manage your benefits
One of the best ways to stay on top of your Social Security benefits is by setting up a my Social Security account through the SSA’s website. This online portal allows beneficiaries to manage their information, view their payment history, update personal information such as direct deposit details, and receive official notices without relying on mailed paper communications.
The portal is particularly useful for tracking COLA updates and checking future benefits. With the rise of identity theft, opting for digital updates through the platform is also a way to safeguard against mail theft.
