When will you get your Social Security Payment in February? Dates and deposit information

For millions of Americans, Social Security payments provide essential financial support each month. However, the exact date you receive your benefits depends on factors such as your birthdate, the type of Social Security benefits you receive, and whether you started collecting before May 1997.

With February 2025 approaching, it’s important to know when to expect your Social Security retirement, disability, or survivor benefits, as well as Supplemental Security Income (SSI) payments. This guide breaks down the full Social Security payment schedule for February 2025, including influential adjustments due to weekends and deposit timelines.

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Social Security in the US: How the payments will be distributed

The payment date for Social Security benefits depends on when a recipient first started receiving payments and their birthdate. Those who have been receiving benefits before May 1997 or who receive both Social Security and Supplemental Security Income (SSI) are on a fixed payment date, while others follow a staggered schedule based on their birthdates.

For individuals receiving Supplemental Security Income (SSI), payments are typically sent out on the first day of each month. However, since February 1, 2025, falls on a Saturday, those receiving SSI will instead get their payments on Friday, January 31, 2025. This adjustment ensures that beneficiaries have access to their funds before the weekend.

For those receiving Social Security retirement, disability, or survivor benefits, payment dates are structured according to the recipient’s birthdate. Individuals who started collecting benefits before May 1997 will receive their February payment on Monday, February 3, 2025.

For those who began receiving benefits after May 1997, the SSA follows a staggered schedule. Beneficiaries born between the 1st and 10th of the month will receive their payments on the second Wednesday of February, which falls on February 12, 2025. Those born between the 11th and 20th of the month will get their payments on the third Wednesday, which is February 19, 2025. Finally, recipients with birthdates between the 21st and 31st will receive their funds on the fourth Wednesday, landing on February 26, 2025.

This structured system allows for efficient payment distribution and helps ensure that beneficiaries receive their funds without delay.

Impact of the 2025 cost-of-living adjustment on February

Social Security payments in February 2025 will reflect the 2.5% Cost-of-Living Adjustment (COLA) that went into effect in January. This increase is designed to help beneficiaries keep up with rising inflation and cost-of-living expenses.

The COLA adjustment means that most recipients will see an increase in their monthly benefits. The average Social Security check will rise by approximately $49, bringing the typical monthly benefit to around $1,976. While this increase is intended to provide some relief against rising costs, beneficiaries should still plan their budgets carefully to ensure financial stability throughout the year.

How my Social Security payment will be deposited?

Most beneficiaries receive their Social Security or SSI payments electronically, either via direct deposit or through the Direct Express® Debit Mastercard®. Funds are typically available on the scheduled payment date, but minor delays can occur depending on bank processing times.

For those who still receive paper checks, delivery may take longer due to mailing delays. The Social Security Administration strongly encourages electronic payments, as they are faster, safer, and reduce the risk of lost or stolen checks. Beneficiaries who have not yet switched to direct deposit can do so through the SSA website or by visiting a local Social Security office.