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Social Security: When to expect payments, how to get them, and applying

Millions of Americans each month get Social Security checks to get by, but many are confused on how to get them or when.

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Benefits can be complicated, but there are resources to help people.

Here, we will explain how payments dates, payment options, and applying for benefits works.

When will I get my Social Security checks?

When you get your Social Security checks depends on your birthday during the month.

Those born on the first through the tenth can expect their check on the second Wednesday of the month.


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Those born the 11th through the 20th can see a check on the third Wednesday of the month.

Finally, anyone born between the 21st and 31st will see a check on the fourth Wednesday of the month.

Changes happen if your payment date lands on a holiday.

If your payment date happens to fall on a holiday, then you can expect a payment the previous day.


How can you get your payments?

There are two ways to receive your Social Security payments.

The first is through direct deposit straight from the SSA into your bank account.

The second option is to choose the Direct Express Debit MasterCard.

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This card has an account your benefits can be deposited into.

You may use it at banks, ATMs, to pay bills, or buy things at stores.

The card works just like a bank debit card.


Applying for Social Security benefits

You should apply for benefits three months prior to when you want them to start.

You may apply at SSA.gov, by calling 1-800-772-1213, or visiting your local Social Security office.

It’s best to make an appointment with the office first.

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