Big Social Security Checks Coming in October: Double Payment on Oct. 2

Millions of Americans who depend on Social Security benefits will see an unusually busy month in October. The Supplemental Security Income (SSI) program is set to deliver two checks on October 2, while regular Social Security retirement and disability payments will follow their usual staggered schedule.

Adding to the buzz: the Social Security Administration (SSA) is preparing to announce the 2026 Cost-of-Living Adjustment (COLA), which could mean a raise for beneficiaries starting in January.

October 2025 Social Security Payment Schedule

Here’s when payments are going out this month:

• October 2, 2025
  • SSI beneficiaries receive two checks (one for October, one early for November because November 1 falls on a weekend).
• October 3, 2025
  • Retirees who began receiving benefits before May 1997 get paid.
• October 8, 2025
  • Social Security checks for those with birthdays between the 1st and 10th of any month.
• October 15, 2025
  • Payments for beneficiaries with birthdays between the 11th and 20th.
• October 22, 2025
  • Payments for beneficiaries with birthdays between the 21st and 31st.

What to Know About the 2026 COLA

Every October, the SSA sets the next year’s cost-of-living adjustment, which determines how much monthly benefits will rise starting in January.

• Timing: The 2026 COLA is expected to be announced in mid-October after the release of September’s inflation data.
• Outlook: Early estimates suggest an increase of around 2.5% to 3%, though the exact figure depends on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
• Impact: Even a modest COLA could mean an extra $40 to $60 per month for the average retiree.

Why October’s Schedule Matters

With a double SSI payment at the start of the month and the COLA announcement looming, October is one of the most important months of the year for retirees, disabled workers, and low-income Americans relying on Social Security.

Key Takeaways for Beneficiaries:

• SSI recipients get two payments on October 2.
• Regular Social Security checks arrive on October 3, 8, 15, and 22.
• The 2026 COLA announcement will determine next year’s benefit increases.

Stay informed and plan ahead. Social Security remains a lifeline for over 71 million Americans — knowing your payment dates and any upcoming changes is key to staying financially secure. 

If you’re unsure about your benefits or need personalized guidance, visit SSA.gov or call 1-800-772-1213.