You should know about the monthly payment plan that the Social Security Administration uses to send Social Security checks all over the country if you get benefits for retirement, a spouse’s death, or a disability. Beneficiaries can see all of their guaranteed payment dates for the year on this calendar.
The dates are based on the program they are eligible for, the date they claimed their first benefits, and the day they were born. The new official payment schedule for 2025 was just released by the federal agency. Here are the most important times and changes you should know about for next year.
Everything is going to change in the 2025 Social Security payment
The Social Security Administration pays individuals five times a year. On the first day, they pay people who are claiming SSI. On the third day of each month, they pay people who were getting checks from the Retirement, Survivors, and Disability Insurance (RSDI) program before May 1997.
After these two payments, the SSA plans to send three more payments to RSDI recipients who started getting benefits after May 1997, based on the date of their birth. You can look at the Social Security Payment Schedule to learn more about how these payments are made, but here’s a quick rundown of how these people get their benefits every month:
- On the 2nd Wednesday of the month: retirees, survivors, and disabled people get their Social Security payments if they were born between the 1st and the 10th.
- On the 3rd Wednesday of the month: retirees, survivors, and disabled people get their Social Security payments if they were born between the 11th and the 20th.
- On the 4th Wednesday of the month: retirees, survivors, and disabled people get their Social Security payments if they were born between the 21st and the 31st.
Based on the 2025 Social Security payout schedule, here are all the confirmed dates when retirees, survivors, and disabled people will get their money:
| Claimed benefits after May 1997 | Second Wednesday | Third Wednesday | Fourth Wednesday |
| January | 8th | 15th | 22nd |
| February | 12th | 19th | 26th |
| March | 12th | 19th | 26th |
| April | 9th | 16th | 23rd |
| May | 14th | 21st | 28th |
| June | 11th | 18th | 25th |
| July | 9th | 16th | 23rd |
| August | 13th | 20th | 27th |
| September | 10th | 17th | 24th |
| October | 8th | 15th | 22nd |
| November | 12th | 19th | 26th |
| December | 10th | 17th | 24th |
For people who applied for SSI or RSDI benefits before May 1997, on the other hand, they will always get their money on the first and third days of the month, unless the payment date falls on a weekend or government holiday. If this happens, the SSA will move those Social Security payments to the business day before.
How much money will beneficiaries receive in Social Security payments next year?
The Social Security Administration raises Social Security payments every year based on the cost of living adjustment (COLA), which is usually released in the second week of October.
The official COLA increase for 2025 hasn’t been released yet, but the Senior Citizens League says it might be around 2.63 percent. If this percentage is put into action, people who get money from all of these programs will start getting the following amounts in January:
| Retirement benefits | Social Security checks | 2.63% COLA increase |
| On average | $1,900 | $1,950 |
| Age 62 | $2,710 | $2,781 |
| Age 67 | $3,822 | $3,923 |
| Age 70 | $4,873 | $5,001 |
| Survivor benefits | Social Security checks | 2.63% COLA increase | 3.2% COLA increase |
| On average | $1,505 | $1,545 | $1,553 |
| Individual | $1,773 | $1,820 | $1,830 |
| 2 Children | $3,653 | $3,749 | $3,770 |
| Disability benefits | Social Security checks | 2.63% COLA increase | 3.2% COLA increase |
| On average | $1,537 | $1,577 | $1,586 |
| Blind recipients | $2,590 | $2,658 | $2,673 |
| Maximum payment | $3,822 | $3,923 | $3,944 |
| SSI benefits | Social Security checks | 2.63% COLA increase | 3.2% COLA increase |
| On average | $698 | $716 | $720 |
| Individuals | $943 | $968 | $973 |
| Couples | $1,415 | $1,452 | $1,460 |
| Essential person | $472 | $484 | $487 |
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