The end of the year is coming up, and while most of us are already planning our vacations for January 2025, Social Security payments are still being sent out and will continue to be sent out until the end of the year.
This means that beneficiaries need to stay alert and know when their payments will arrive, especially since the schedule for the last few months of the year can be hard on many families’ finances.
Millions of Americans get money from the Social Security Administration in the form of benefits. Each benefit has its own requirements and amounts that depend on a number of factors. Most people know about three of the main payments, but some may not know about the other two.
The five programs are very important to the people who get them. These are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) payments, Social Security retirement payments, family benefits, and insurance payments for people who have died.
Since each payment is different, it makes sense that they each have their own date of distribution. It’s possible that payments don’t all go out on the same day, and the distribution isn’t always done by program.
Social Security payments schedule
When it comes to payment, Social Security benefits are split into three groups. People who have been getting benefits since before May 1997, people who started getting benefits after May 1997, and people who get SSI.
People who have been getting benefits since before May 1997 get them every month on the third, unless it’s a weekend or national holiday. In that case, benefits are given out on the business day before the holiday.
People who started getting benefits after May 1997 have a more complicated schedule based on when they were born:
| Social Security program | Benefits claiming date | Birth date between | Payment day |
| Retirement benefits
Survivor benefits
Social Security Disability Insurance (SSDI)
Family Benefits |
After May 1997 | 1st and 10th | Second Wednesday |
| After May 1997 | 11th and 20th | Third Wednesday | |
| After May 1997 | 21st and 31st | Fourth Wednesday |
And, of course, the payment dates will be changed if a national holiday falls on one of them.
Finally, people who get SSI. SSI recipients always get their money on the first of the month, unless it’s a weekend or national holiday. In that case, benefits are given out on the business day before the holiday.
This is the case for November and December, because the schedule of this important payment will change a few times before the end of the year. People who receive it will need to keep this in mind.
SSI payments until the end of the year
For the reason that December 1st is a Sunday, the SSI payment will be sent on November 29, which is Black Friday. An official work day, even though most of us aren’t working on Black Friday, is the day that banks are open and the mail is delivered.
Many people think of it as a holiday. This surprise gift will help a lot of people with their Christmas shopping.
Because January 1 is a national holiday, the January payment will be sent out on Tuesday, December 31. This is the next change that recipients will need to be aware of.
It’s worth noting that the payment will include the 2.5% cost-of-living adjustment (COLA) for 2025, even though this change seems normal and doesn’t really matter.
The current maximum amounts are $943 for an individual and $1,415 for a couple. This increase will be applied to those amounts in 2024, making them $967 for an eligible individual, $1,450 for an eligible individual with an eligible spouse, and $484 for an essential person.
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