Social Security January 2025: Your Next Check Includes the COLA Increase
We’re a few short days away from the new year and the next Social Security check you receive will include the 2025 COLA increase, which translates to a bigger monthly payment for you. What week you receive your check depends on a couple of factors, like how long you’ve been receiving benefits and what day of the month you were born. If you just applied for Social Security and are unsure when you should receive your check every month, we’ll break the payment schedule down below.
If you’re still waiting on your check from December, check out what you should do if your Social Security payment is missing.
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Read on to find out if you should expect to receive your check this week and how your payment date is determined by the Social Security Administration and other government benefit payment dates. For more, don’t miss the Social Security and SSDI cheat sheet and instructions on how to apply for Supplemental Security Income.
When will I get my Social Security check?
Want to know which day of the month you’ll get your check? Here’s the Social Security and SSDI payment schedule for December.
Social Security payment schedule for January 2025
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| You’ve received Social Security before May 1997 | Jan. 3 |
|---|---|
| If your birthday falls between the 1st and 10th of any given month | Jan. 8 |
| If your birthday falls between the 11th and 20th of any given month | Jan. 15 |
| If your birthday falls between the 21st and 31st of any given month | Jan. 22 |
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Payments typically go out on Wednesdays, but this week it will go out a day early due to the holiday on the 25th.
How is my Social Security payment date determined?
Social Security payments are typically paid out starting on the 2nd Wednesday of the month. The remaining two payments will be paid out on the following two Wednesdays of the month. Which week you receive your payment depends on your birthdate. There is one big exception, which I’ll cover below.
| Birthdate between: | Social Security check date |
|---|---|
| 1st and the 10th | 2nd Wednesday of the month |
| 11th and the 20th | 3rd Wednesday of the month |
| 21st and 31st | 4th Wednesday of the month |