Supplemental Security Income (SSI) benefits are often the lifeline people rely on to pay their monthly bills. Once you establish a monthly spending budget, every dollar counts, and so does knowing exactly when your SSI benefit payment will be posted to your account.

New York Disability Law Office (nydisability.com) wants to give you answers to all your questions about SSI and other benefit programs, like Social Security Disability Insurance (SSDI). We help all our clients and ensure that everyone is receiving the maximum benefit amount allowed in every program for which they are eligible. If you have more questions about any aspect of your SSI or SSDI benefits, please call us today.

What Time Will My SSI or My SSDI Direct Deposit Hit My Account?

The federal Social Security Administration (SSA) pays more than 60 million benefit recipients each month. Those who are waiting for those payments need to know when the payments will arrive in their accounts. The government needs to make sure you have your money available as soon as possible, so the monthly SSI and the SSDI payments are all posted at midnight the day before the payment is due.

If your payment day is the 1st of each month, then your monthly benefit check will be deposited into your direct deposit account at midnight on the 31st or the last day of the previous month.

If your scheduled payment date falls on a Saturday, Sunday, or holiday, then the direct deposit will be made at midnight the day before that last business day before your scheduled pay date.  

What Day Will My SSI Payment Be Deposited? (SSI Only)

If you are only receiving SSI benefits, your monthly SSI benefit payment will be paid on the 1st day of each month. As we noted in the previous section, since your expected SSI payment date is the 1st day of the month, your SSI benefits payment will be directly deposited into your account at midnight on the 31st or the last day of the previous month. If the 1st of the month falls on a Saturday, Sunday, or holiday, then the SSI payment will be deposited at midnight the day before the last business day before your scheduled date.

What Day Will I Get My SSI and SSDI Payment (If Claims Began After May 1997)

If you are receiving both Supplemental Security Income (SSI) and SSDI and your claim dates to 1997, the Social Security Administration pays out the SSI benefit payments on Wednesdays. Which Wednesday you receive your SSI payment depends on what day of your birth month you were born. If you were born on the 1st to the 10th of your birth month, your SSI payment will arrive on the second Wednesday of each month. Here is the schedule for you in bullet points:

  • Birthdate on 1st to 10th of the month — payment arrives on 2nd Wednesday of the month,
  • Birthdate on 11th to 20th of the month – payment arrives on 3rd Wednesday of the month,
  • Birthdate on 21st to 31st of the month — payment arrives on 4th Wednesday of the month,
  • If a payment date falls on a weekend or holiday, payment arrives on the last business day before.

What Day Will I Get My SSI and SSDI Payment Arrive?  (If Claim Dates Before May 1997)

For Social Security and Supplemental Security recipients whose claims began before May 1997, your benefit payment date is the 3rd of each month. For those people whose claims were filed after May of 1997, see the payment schedule in the previous section for your SSI and SSDI payment schedule.

Why Is My SSI Benefit Direct Deposit Payment Late?

If your SSI direct deposit payment is not posted to your account when it is due, you should immediately check to see if any of the following circumstances apply:

  • Did you change your bank or your bank account without notifying Social Security?
  • Did you change your address without notifying Social Security?
  • Did the Social Security office that processes your payment become overwhelmed and fall behind schedule?

Is My SSI Payment for Last Month or Next Month?

Your Social Security payments are issued to cover the previous month. In other words, you are not receiving your payment for the upcoming month. The issue can be significant in circumstances where a beneficiary passes away a month. If the Social Security Administration does not learn of the passing before the end of the month, the deceased’s benefit payments will continue until the SSA is notified.

It is possible that some of the benefits payments already posted to the deceased’s account may need to be refunded to the SSA.  

What Can I Do If My SSI Direct Deposit Is Late?

If your SSI or SSDI payment is late, call Social Security Administration at (800) 772-1213. You can also visit the Social Security Administration’s website at www.socialsecurity.gov.  

To avoid any delays in processing your benefits payment, please make sure to keep SSA updated on any changes to your bank, your bank account, or your address. You can also report any changes to the SSA by calling (800) 772-1213 or online at www.socialsecurity.gov.