Retirees, SSDI, and SSI recipients will not learn about the new 2025 Cost-of-Living Adjustment (COLA) until the fall.
Meanwhile, they can check when their 2025 Social Security payment dates will be. This will help you plan for your expenses and organize your finances.
Social Security Paydays for the 3rd
Retirees who began collecting monthly payments from the Administration before May 1997 will receive most payments in 2025 on the third day of each month. However, there are a few exceptions to this rule:
- May: Payment will be delivered on May 2 (Saturday).
- August: Payment will be delivered on August 1 (Friday).
Social Security on 2nd, 3rd, and 4th Wednesday
For those who do not qualify for Social Security payments on the 3rd because they are neither on SSI nor received benefits before May 1997, payment dates are based on birth dates.
All payments will be sent on the 2nd, 3rd, and 4th Wednesday of each month:
- 2nd Wednesday: For birthdays from the 1st to the 10th of the month.
- 3rd Wednesday: For birthdays from the 11th to the 20th of the month.
- 4th Wednesday: For birthdays from the 21st to the 31st of the month.
No changes are expected because these dates do not fall on holidays or weekends.
SSI Payment Dates
Supplemental Security Income (SSI) recipients will get their first payment for 2025 on December 31, 2024. This allows them to receive the COLA increase, possibly around 2.63%, before SSDI or retirement recipients.
Adjusted SSI Paydays
SSI recipients will have their payments adjusted in the following months due to weekends and holidays:
- February: Payment due on January 31
- March: Payment due on February 28
- June: Payment due on May 30
- September: Payment due on August 29
- November: Payment due on October 31
Summary Table
| Month | Retirees (Pre-May 1997) | SSI Recipients | Birthdays 1st-10th | Birthdays 11th-20th | Birthdays 21st-31st |
|---|---|---|---|---|---|
| January | January 3 | December 31, 2024 | January 8 | January 15 | January 22 |
| February | February 3 | January 31 | February 12 | February 19 | February 26 |
| March | March 3 | February 28 | March 12 | March 19 | March 26 |
| April | April 3 | April 1 | April 9 | April 16 | April 23 |
| May | May 2 | May 1 | May 14 | May 21 | May 28 |
| June | June 3 | May 30 | June 11 | June 18 | June 25 |
| July | July 3 | July 1 | July 9 | July 16 | July 23 |
| August | August 1 | August 1 | August 13 | August 20 | August 27 |
| September | September 3 | August 29 | September 10 | September 17 | September 24 |
| October | October 3 | October 1 | October 8 | October 15 | October 22 |
| November | November 3 | October 31 | November 12 | November 19 | November 26 |
| December | December 3 | December 1 | December 10 | December 17 | December 24 |
Planning for the Future
Staying informed about the 2025 payment schedule and potential COLA increase will help you manage your finances more effectively.
With these dates in mind, you can better plan your budget, make timely payments, and enjoy a stress-free holiday season.
FAQs
When will retirees and SSDI recipients receive their first payment with the 2025 COLA?
The first payment with the 2025 COLA will be received in January 2025.
What are the adjusted SSI payment dates for 2025?
SSI payments will be adjusted in January, February, March, June, September, and November.
How is the 2025 COLA determined?
The COLA is based on the annual increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
Why are some Social Security payments rescheduled in 2025?
Payments are rescheduled to avoid weekends and holidays, ensuring timely delivery.
How can beneficiaries plan their finances with the 2025 payment schedule?
By knowing the exact payment dates, beneficiaries can budget better, schedule payments, and plan for holidays.
