Social Security Payment Schedule for 2025: Know Everything

ByChris Edwards
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According to Kiplinger, The first Social Security payments for 2025 will start arriving in January. When beneficiaries receive their payments largely depends on their date of birth. However, there are specific rules for those who received Social Security benefits before May 1997 or for individuals who receive both Social Security and Supplemental Security Income (SSI). For these cases, Social Security payments are made on the 3rd of the month, while SSI payments are issued on the 1st. If a payment date falls on a federal holiday or weekend, beneficiaries can expect their payment on the nearest weekday prior to the holiday.

Estimated Average Monthly Social Security Check for 2025

Although the official cost-of-living adjustment (COLA) increase for 2025 has yet to be announced, economist David Payne from Kiplinger estimates that it could be around 2.5%.

As of August 2024, the average Social Security monthly check for all retirement beneficiaries was $1,920.48, according to the Social Security Administration (SSA). If the predicted COLA takes effect, beneficiaries would experience an annual increase of $576, translating to a monthly increase of $48.00. This would bring the average monthly benefit to approximately $1,968.48. While waiting for official confirmation of the 2025 COLA, beneficiaries can also explore average Social Security checks based on age.

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Schedule of Social Security Benefit Payments in 2025

To help beneficiaries plan, here are the confirmed payment dates for retirees in 2025:

Birth date onMONTHMONTHMONTH
Birth date onJanuaryFebruaryMarch
1st – 10thWednesday, January 8Wednesday, February 12Wednesday, March 12
11th – 20thWednesday, January 15Wednesday, February 19Wednesday, March 19
21st – 31stWednesday, January 22Wednesday, February 26Wednesday, March 26
Birth date onAprilMayJune
1st – 10thWednesday, April 9Wednesday, May 14Wednesday, June 11
11th – 20thWednesday, April 16Wednesday, May 21Wednesday, June 18
21st – 31stWednesday, April 23Wednesday, May 28Wednesday, June 25
Birth date onJulyAugustSeptember
1st – 10thWednesday, July 9Wednesday, August 13Wednesday, September 10
11th – 20thWednesday, July 16Wednesday, August 20Wednesday, September 17
21st – 31stWednesday, July 23Wednesday, August 27Wednesday, September 24
Birth date onOctoberNovemberDecember
1st – 10thWednesday, October 8Wednesday, November 12Wednesday, December 10
11th – 20thWednesday, October 15Wednesday, November 19Wednesday, December 17
21st – 31stWednesday, October 22Wednesday, November 26Wednesday, December 24

Benefits of Creating a My Social Security Account

Consider signing up for a my Social Security account to securely manage your personal Social Security information. This online account is particularly useful if you have concerns about mail theft or frequently travel, as it allows you to opt out of receiving certain notices by mail.

With a my Social Security account, you can easily manage various tasks, including:

  • Requesting a replacement Social Security card
  • Checking the status of an application
  • Estimating future benefits
  • Receiving updates about the COLA for 2025
  • Updating your direct deposit information
  • Accessing your Social Security 1099 form

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