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If you filed for benefits before May 1997:

Social Security payments are usually dated and delivered on the third day of the month following the month for which the payment is due. For example, payments for January are delivered on February 3. If the third of the month is a Saturday, Sunday or Federal holiday, payments are dated and delivered on the first day preceding the third of the month which is not a Saturday, Sunday, or Federal holiday. For example, if the third is a Saturday or Sunday, payments are delivered on the preceding Friday.

If you filed for benefits in or after May 1997:

If you file for Social Security benefits May 1, 1997, or later, you are assigned one of three new payment days based on the date of birth of the person on whose record your entitlement is established (the insured individual):

  1. The payment day for insured individuals born on the 1st through the 10th of the month is the second Wednesday of each month;
  2. The payment day for insured individuals born on the 11th through the 20th of the month is the third Wednesday of each month; and
  3. The payment day for insured individuals born after the 20th of the month is the fourth Wednesday of each month.

If the scheduled Wednesday payment day is a Federal holiday, payment is made on the preceding day that is not a Federal holiday.

Exceptions to the May 1997 Rule:

You will receive your Social Security payment on the third of the month if you are any of the following:

  1. A beneficiary who also receives SSI payment;
  2. A beneficiary whose income is deemed to an SSI recipient;
  3. A beneficiary whose Medicare premiums are paid for by the state in which you live;
  4. A beneficiary living in a foreign country;
  5. A beneficiary entitled to payments on the third of the month, who later became entitled on another record, as long as there is no break in your entitlement;
  6. A recipient of garnished payments, tax levy case payments, or payments made via the critical payment system; or
  7. A beneficiary entitled on the same record as one of the above.

Your SSI (SUPPLEMENT SECURITY INCOME) checks NOT your social security benefit check are U.S. government checks. They usually come in the mail on the first of the month. Your check must be cashed within 12 months after the date of the check or it will be void.

If the first of the month falls on a Saturday, Sunday or legal holiday, you will get your check on the banking day before.

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Q: Does social security pay at the beginning or end of the month?
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