Investing Retirement Planning Social Security When Will My Social Security Payment Arrive? The payment schedule for benefits depends on your birthday By Dana Anspach Dana Anspach Twitter Dana Anspach is a Certified Financial Planner and an expert on investing and retirement planning. She is the founder and CEO of Sensible Money, a fee-only financial planning and investment firm. learn about our editorial policies Updated on February 14, 2022 Reviewed by Michael J Boyle Reviewed by Michael J Boyle Michael Boyle is an experienced financial professional with more than 10 years working with financial planning, derivatives, equities, fixed income, project management, and analytics. learn about our financial review board Fact checked by David Rubin Fact checked by David Rubin Facebook Instagram Twitter David J. Rubin is a fact checker for The Balance with more than 30 years in editing and publishing. The majority of his experience lies within the legal and financial spaces. At legal publisher Matthew Bender & Co./LexisNexis, he was a manager of R&D, programmer analyst, and senior copy editor. learn about our editorial policies Share Tweet Pin Email In This Article View All In This Article The Usual Schedule Exceptions to the Usual Schedule When Will I Receive My First Payment? Electronic Delivery of Payments What If My Payment Doesn't Come? Frequently Asked Questions (FAQs) Photo: The Balance Social Security benefit payments are deposited on the second, third, or fourth Wednesday of each month, depending on your day of birth. This payment schedule has been in effect since June 1997. The same schedule applies whether you're collecting Social Security retirement benefits, Social Security disability benefits, or Supplemental Security Income (SSI). Most Social Security recipients are retirees, however. Approximately 50 million individuals and families received retirement benefits in June 2021, according to the Social Security Administration (SSA). The Usual Schedule Expect your Social Security payment to be deposited: On the second Wednesday of each month if you were born on the first through the 10th day of the monthOn the third Wednesday of each month if you were born between the 11th and 20th day of the monthOn the fourth Wednesday if you were born between the 21st and the 31st day of the month Children or spouses who receive benefits based on someone else's work record should receive their payments on the same day as that individual. Exceptions to the Usual Schedule Your payment will arrive on an alternate schedule if you fall into certain categories. It will be made on the third day of the month if: Your state is paying your Medicare premiums You started receiving benefits prior to May 1, 1997 You reside in another country You're receiving both Social Security benefits and SSI payments But there's an exception to the Social Security/SSI rule. You'll receive payment on the first of the month rather than the third day if you're receiving SSI due to disability, blindness, or age. SSI is needs-based. It's not something you paid into over the course of your working career, like Social Security retirement or disability benefits or Medicare, so it's possible to collect for these reasons without also receiving Social Security retirement or disability benefits. SSI is intended to pay for basic food, shelter, and clothing needs. Note Your payment will come the weekday just before the usual date if your payment date falls on a weekend or a federal holiday. You can find calendars on the Social Security Administration's website, Schedule of Social Security Benefit Payments 2022, to pin down the exact dates in 2022 depending on your circumstances. When Will I Receive My First Payment? Social Security retirement benefits, as well as disability and survivor benefits, are paid in the month after the month the payment represents. For example, you can expect your first direct deposit to occur in June according to the day-of-birth schedule if your first month of receiving benefits is May. Electronic Delivery of Payments The Social Security Administration no longer mails paper checks, although the U.S. Department of the Treasury does occasionally make some isolated exceptions to this rule. Otherwise, there are two ways you can receive your benefits: You can request direct deposit. Payments will be automatically posted into your bank account on your payment date.Your benefits will be paid to a Direct Express debit card if you don't have a bank account or if you don't sign up for direct deposit. Payments are automatically posted to your card account on your payment day. The card works anywhere that takes Debit Mastercard, and you can use it to get cash at ATMs or cash back at the grocery store, or to set up automatic payment of your monthly bills. Note You have a third option if you're receiving Social Security disability benefits. You can set up an Electronic Transfer Account with the SSA, which will make automatic payments on your behalf from your disability benefits. What If My Payment Doesn't Come? The Social Security Administration asks that you first contact your bank or financial institution if your direct deposit or debit card funds aren't received on time. You should then call Social Security at 1-800-772-1213 or contact your local Social Security office. The SSA asks that you wait three days before reaching out, however. The risk of your "check" being stolen is virtually eliminated if you use the direct deposit option because the money is transmitted electronically and directly to your bank account. Frequently Asked Questions (FAQs) How do I change Social Security to direct deposit? If you already receive Social Security benefits, you can start or update your direct deposit by visiting your online my Social Security account. Simply log in, navigate to your profile page, and input your direct deposit information. You can set this change to take effect immediately or at a specified later date. If you receive SSI benefits, don't have a U.S. mailing address, or otherwise aren't able to make this change online, you can contact your bank or call the Social Security Administration at 1-800-772-1213. Why is my Social Security check late? Social Security payments generally arrive on time. However, if your payment is delayed for some reason, contact your bank or financial institution. Once three days have passed without payment, you can reach out to the Social Security Administration to follow up. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Social Security Handbook. "121. Payment Dates." Social Security Administration. "Understanding the Benefits," Page 1. Social Security Matters. "What Day of the Month Do I Get My Social Security Payment?" Social Security Administration. "Supplemental Security Income Home Page — 2021 Edition." Social Security Administration. "You Can Receive Benefits Before Your Full Retirement Age." Social Security Administration. "Get Your Payments Electronically." Social Security Administration. "What You Need to Know When You Get Social Security Disability Benefits," Page 6. Social Security Administration. "How Do I Report a Missing Payment?" Social Security Administration. "Schedule of Social Security Benefit Payments 2022." Social Security Administration. "How Can I Change or Sign Up for Direct Deposit for My Social Security or Supplemental Security Income (SSI) Payments?"