To effectively plan financially, it is essential that you learn when your Social Security benefits will be available in 2025. Additionally, find out the payment schedule and answers to some typical questions you might have.
How are Social Security payment dates determined?
Your payment date is primarily based on your birth date:
- Birth date 1st–10th: Payments are made on the second Wednesday of each month.
- Birth date 11th–20th: Payments are made on the third Wednesday of each month.
- Birth date 21st–31st: Payments are made on the fourth Wednesday of each month.
For example, if your birthday falls between the 1st and 10th, you’ll receive your benefits on the second Wednesday of each month.
Read more: Trump’s next move on Social Security & Medicare: The surprising future for millions of Americans
What if I receive both Social Security and Supplemental Security Income (SSI)?
If you receive both Social Security and SSI, your payment dates will be different:
SSI payments: Paid on the 1st of every month.
Social Security payments: Mailed on the 3rd of each month.
If that date happens to fall on a weekend or federal holiday, however, payments are normally issued on the prior business day.
Will there be a Cost-of-Living Adjustment (COLA) in 2025?
Yes, there is a 2.5% COLA increase for 2025. This adjustment means that Social Security and SSI beneficiaries will see a 2.5% increase in their monthly benefits starting January 2025.
What are the exact payment dates for 2025?
Here’s a month-by-month breakdown:
| Month | 1st–10th Birthdays | 11th–20th Birthdays | 21st–31st Birthdays |
| January | January 8 | January 15 | January 22 |
| February | February 12 | February 19 | February 26 |
| March | March 12 | March 19 | March 26 |
| April | April 9 | April 16 | April 23 |
| May | May 14 | May 21 | May 28 |
| June | June 11 | June 18 | June 25 |
| July | July 9 | July 16 | July 23 |
| August | August 13 | August 20 | August 27 |
| September | September 10 | September 17 | September 24 |
| October | October 8 | October 15 | October 22 |
| November | November 12 | November 19 | November 26 |
| December | December 10 | December 17 | December 24 |
Note: If your payment date falls on a federal holiday, expect to receive your payment on the preceding business day.
How can I manage my benefits online?
You can manage your benefit using your “my Social Security” account. This online portal will allow you to:
- View your benefit statements.
- Update personal information.
- Change direct deposit details.
- Access your Social Security 1099 form.
What should I do if I don’t receive my payment on the expected date?
If you do not see your payment on the scheduled date, the SSA advises that you wait for an extra three days because of possible postal or bank delays.
Are there any other changes to expect in 2025?
Because of the COLA, the maximum amount of earnings subject to Social Security tax will increase to $176,100 by 2025. Adjusting these figures relates to wage growth and ensures a sustainable funding stream for the program.
