Social Security Payment Schedule: December 2025 and January 2026

In-Depth Analysis

The Social Security Administration (SSA) manages two primary benefit programs: Social Security and SSI. Social Security payments are disbursed according to a set schedule determined by the beneficiary's birth date. Those born between the 1st and 10th of the month receive their payments on the second Wednesday, those born between the 11th and 20th on the third Wednesday, and those born between the 21st and 31st on the fourth Wednesday. However, SSI, designed for individuals with limited income and resources, typically arrives on the first of the month.

For December 2025 and January 2026, the payment schedules are slightly altered due to the New Year's Day holiday. SSI recipients will receive their January 2026 payment on December 31, 2025. This early payment also includes the 2.8% COLA increase, which will raise the average Social Security benefit by $56 and the average SSI benefit by $27.

The SSA is transitioning to fully electronic payments, with direct deposit and the Direct Express Card as the primary methods. Paper checks are largely being phased out.

**December 2025 Social Security Payment Schedule:**

**SSI:** December 1, 2025
**Birthdates 1st-10th:** December 10, 2025
**Birthdates 11th-20th:** December 17, 2025
**Birthdates 21st-31st:** December 24, 2025

**January 2026 Social Security Payment Schedule:**

**SSI (for January):** December 31, 2025
**Birthdates 1st-10th:** January 14, 2026
**Birthdates 11th-20th:** January 21, 2026
**Birthdates 21st-31st:** January 28, 2026

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FAQ

When will I receive my SSI payment for January 2026?

You will receive it on December 31, 2025, due to the New Year's Day holiday.

How much will my Social Security payment increase in January 2026?

Your payment will increase by 2.8% due to the Cost of Living Adjustment (COLA).

How do I check my Social Security payment schedule?

You can view the full schedule on the SSA's website&ref=yanuki.com.

Takeaways

Mark your calendar with the correct payment dates for December 2025 and January 2026.
Be aware of the early SSI payment in December.
Anticipate a 2.8% increase in your Social Security or SSI payment starting in January 2026.
Ensure your payment method is up-to-date with the SSA to avoid delays.

Discussion

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Sources

When to expect your Social Security payment for December. See schedule Why Retirees Might Get Their First 2026 COLA Check In December Social Security payment of $967 arrives on Monday, December 1, 2025: eligibility and requirements

Disclaimer

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