Understanding the United States Social Security payment schedule is crucial for effective financial planning, especially if you’re a retiree. Even if you’re not retired yet, familiarizing yourself with how the Social Security Administration (SSA) organizes its payments can be beneficial for future reference.
One key factor that determines when you will receive your monthly Social Security payment is your birthday. The specific day of your birth influences whether you collect your payment earlier or later in the month. Interestingly, the year or month of birth does not impact the timing, only the day itself.
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Additionally, the year you retire plays a significant role. The SSA categorizes retirees into two main groups based on their retirement year. The year 1997 serves as a critical dividing line for these groups, determining different payment schedules.
How do I get my next Social Security payment (SSA)?
The next Social Security payment will be deposited into the accounts of thousands of beneficiaries on June 18th, 2024. If you have Direct Deposit activated, you can expect to receive your payment seamlessly on this day. For those who haven’t activated this method, the payment will arrive in the following days, but rest assured, you will receive it.
To ensure you receive your Social Security payment on time, consider the following:
- Activate Direct Deposit to avoid delays.
- Keep track of your payment schedule based on your birthday.
- Understand the impact of your retirement year on your payment timing.
Here is the Social Security payment schedule for July 2024:
- July 17: If your birthday falls on any day from the 11th to the 20th, you’ll get your Social Security payment on the third Wednesday of July.
- July 24: If your birthday falls on any day from the 21st to the 31st, you’ll get your Social Security payment on the fourth Wednesday of July
By staying informed and organized, you can manage your finances more effectively and ensure a smooth process for receiving your Social Security benefits.
How can I check the status of my Social Security payment?
- Create or log in to your my Social Security account online. Your account will show information such as the date of filing, current claim location, scheduled hearing date and time, and servicing office location.
- If you are unable to check your status online, you can call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday, 8:00 am – 7:00 pm.
- Contact your local Social Security office. Look up the general inquiry telephone number using the Social Security Office Locator. The number may appear under “Show Additional Office Information.”
Can Change the date of Social Security payment?
The Social Security Administration tell that in most cases you cannot change the date you receive your Social Security payment:
- If you applied for Social Security benefits on or before April 30, 1997, or if you receive both Social Security and SSI, you will receive your payment on the 3rd of each month. 13
- If you applied for Social Security after April 30, 1997, your payment date is determined by your birthday:
- 1st-10th of the month: paid on 2nd Wednesday
- 11th-20th of the month: paid on 3rd Wednesday
- 21st-31st of the month: paid on 4th Wednesday
- If you only receive SSI, you are paid on the 1st of each month.
- The only exception noted is that if you are paid on the 3rd of the month, you can volunteer to change your payment day if all beneficiaries on your record agree to it. But this decision is permanent.
So in summary, the payment schedule is fixed based on when you applied for benefits and your date of birth.