When Will You Get Your Social Security Check? Find Out Now

Arnia
5 Min Read

The Social Security Administration (SSA) helps many people with monthly payments. These payments go to retirees, survivors, and people with disabilities. It’s important to know how these payments work and when you will get them.

How Payment Dates Are Determined

When Will You Get Paid?

Social Security payments are made based on your birth date. This way, payments are spread out throughout the month:

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

Special Cases for Payment Dates

Who Gets Paid Differently?

Some people get their payments on different dates:

  • If you started getting benefits before May 1997, live abroad, or receive SSI: Payments are made on the first of every month.
  • If you get both SSI and other Social Security benefits: SSI is paid on the first, and other benefits are paid on the third of the month.
  • If your payment date is on a weekend or a holiday: Payments are made on the prior business day.

Example Payment Schedule for July

When Will You Get Paid in July?

Here is the payment schedule for July:

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  • Monday, July 1: SSI beneficiaries, those who started getting payments before May 1997, and Americans living abroad.
  • Wednesday, July 3: Beneficiaries who started receiving payments before May 1997 and also receive SSI.
  • Wednesday, July 10: Beneficiaries born between the 1st and 10th.
  • Wednesday, July 17: Beneficiaries born between the 11th and 20th.
  • Wednesday, July 24: Beneficiaries born between the 21st and 31st.

How Much Money Will You Receive?

Understanding Your Payment Amount

The amount of money you get from Social Security depends on your situation. Here are some average amounts:

  • Retired Worker: About $1,907 per month.
  • Couples Filing Jointly: About $3,303 per month.

Maximum benefits can be higher:

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  • Retiring at Age 62: Up to $2,710 per month.
  • Full Retirement Age: Up to $3,822 per month.
  • Retiring at Age 70: Up to $4,873 per month.

Increasing Your Benefits

Ways to Get More Money

Most people won’t get the maximum amount, but you can increase your benefits by:

  • Working for more years: Your benefit is based on your highest 35 years of earnings.
  • Earning more: Higher lifetime earnings mean higher benefits.
  • Delaying retirement: The longer you wait to claim benefits (up to age 70), the more you get each month.

SSI Payments

What About SSI?

For Supplemental Security Income (SSI) recipients, the average monthly payment is:

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  • Individuals: $943 per month.
  • Couples: $1,415 per month.

These amounts go up each year based on the Cost of Living Adjustment (COLA) to keep up with inflation. In 2024, the COLA increased by 3.2%.

Knowing when you will get your Social Security payments and how much you can expect helps you plan your finances better. By understanding the payment schedule and factors that affect your benefit amount, you can ensure you get the most out of your benefits.

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When will I get my Social Security payment?

Payment dates depend on your birth date. Check the schedule to know your date.

How much will I get from Social Security?

The amount varies based on your work history and age at retirement.

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Can I increase my Social Security benefits?

Yes, by working longer, earning more, and delaying retirement.

What if my payment date falls on a weekend or holiday?

You will get paid on the prior business day.

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How much is the average SSI payment?

Individuals get about $943 per month, and couples get about $1,415 per month.

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By Arnia
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A Certified Public Accountant specializing in personal finance and taxation. Arnia engaging writing style and deep understanding of tax codes make her articles a must-read for individuals seeking to maximize their tax savings.
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