Confirmed dates – How Social Security payments will be made in 2025

2025 has arrived, and so has the new Social Security calendar for the year! Many people rely on knowing when their payments will arrive to help them plan their year and monthly finances.

This year, it comes with a 2.5% COLA adjustment; now that we’ve explained what it is, let’s get started!

How is Social Security organized to send its payments?

Everything will be determined by the type of benefit you receive and the date of your birth. The SSA sends everything in a staggered manner to ensure that no payments are delayed.

Payments vary based on the type of beneficiary:

• For Supplemental Security Income (SSI) beneficiaries, payments are made on the first day of each month. If the date falls on a weekend or holiday, they are advanced to the previous business day.
• People who began receiving benefits before May 1997 receive their payments on the third day of each month.

For other beneficiaries, such as retirees and people with disabilities, payments are made on Wednesdays according to the date of birth:

• Born between the 1st and the 10th: second Wednesday of the month.
• Born between the 11th and the 20th: third Wednesday of the month.
• Born between the 21st and the 31st: fourth Wednesday of the month.

If any of these dates coincide with a national holiday, payment is made in advance to the previous business day.

How will the COLA impact these payments?

As you are aware, the COLA (Cost of Living Adjustment) is a percentage added to Social Security payments in the current inflationary environment to ensure that beneficiaries’ purchasing power is not impacted.

This year, the percentage added will be 2.5%, which is significantly lower than in previous years. This means that we are gradually returning to economic normality (finally!!!).

The average payments in 2025 with this additional adjustment are as follows:

• For individual retirees: $1,976 per month.
• For retired couples where both receive benefits: $3,089 per month.
• For people with disabilities and their families: $2,826 per month.

What is the schedule for 2025?