Everything you need to know about SSI payments in January 2025

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Millions of Americans will see a 2.5% rise in their Social Security benefits in January 2025 due to the yearly cost-of-living adjustment (COLA). In light of growing inflation, this boost is meant to help beneficiaries preserve their purchasing power.

Knowing the payment schedule will help you better manage your budget if you’re wondering when you’ll receive this additional money.

The schedule for the SSI program is different. Unless it falls on a weekend or holiday, payments are normally made on the first of the month.

The payment is advanced to the prior business day in these circumstances. Due to January 1 being a federal holiday, SSI members will get their January 2025 benefits on Tuesday, December 31, 2024.

How are SSI payment dates determined?

Payments are disbursed by the Social Security Administration (SSA) based on the beneficiary’s birthdate. This implies that your birthdate determines the Wednesday on which you will get your money:

• 
  Born between the 1st and 10th of the month: Payment on the second Wednesday.
  
• 
  Born between the 11th and 20th: Payment on the third Wednesday.
  
• 
  Born between the 21st and 31st: Payment on the fourth Wednesday.
  

For instance, on Wednesday, January 8, you will be paid if you were born on January 7. In the event that January 15 is your birthday, the payment will take effect on Wednesday, January 15.

Payment dates for January 2025

The precise timetable for January 2025 is as follows:

• Born between the 1st and 10th: Wednesday, January 8.
• Born between the 11th and 20th: Wednesday, January 15.
• Born between the 21st and 31st: Wednesday, January 22.

Other special cases

Payments to certain recipients are made on various dates, including:

• People who started receiving benefits before May 1997.
• Beneficiaries who qualify for both SSI and Social Security.
• Those whose Medicare premiums are paid by their state.
• People living outside the United States.

Unless it happens on a weekend or holiday, payments for these circumstances are made on the third day of the month. These beneficiaries will get their payout on Friday, January 3, 2025.

What to do if you don t receive your payment on time?

The SSA advises waiting three working days before acting if your payment does not arrive on the appointed day. In the meanwhile, you can:

• 
  Check with your bank
  
  : Sometimes delays occur during bank processing.
• 
  Review your information
  
  : Log in to the SSA website to confirm that your bank and personal details are up to date.

Get help from the SSA by calling their toll-free hotline or by going to a local office if, after three business days, you still haven’t received your payment.

The secret to confidently managing your finances is understanding the Social Security and SSI payment schedule. Beneficiaries can anticipate increased benefits in 2025 as a result of the annual cost-of-living adjustment, which provides protection against the growing cost of living.

To make sure you receive your benefits without any problems, make sure your information is current and check the scheduled dates. Making the most of your retirement income is possible with careful planning.

See also: Double SSI benefits in 2025 for May, August, and October Verified on the schedule of Social Security

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