Millions of Americans rely on Social Security payments each month. Staying on top of payment dates helps avoid confusion and late bills. If you collect benefits, here’s what you need to know about the May 2025 payment schedule.
When Social Security payments arrive in May
Social Security payments follow a strict schedule based on your birth date. Here’s the breakdown for May 2025:
- May 8: Payment for those born on the 1st–10th of any month.
- May 15: Payment for those born on the 11th–20th.
- May 22: Payment for those born on the 21st–31st.
If you started receiving benefits before May 1997, your payment arrives on the third of the month — which this month was May 3.
For Supplemental Security Income (SSI) recipients, May’s payment was deposited on May 1.
What time do Social Security payments usually post?
Direct deposits usually post by midnight on your scheduled day. However, delays can occur if there are banking issues or federal holidays. May 2025 does not have any major banking holidays that would impact the schedule.
If your payment is missing, the SSA recommends waiting at least three business days before contacting them.
How much is the average Social Security payment in 2025?
Thanks to the 2.5% cost-of-living adjustment (COLA) that took effect in January 2025, the average monthly Social Security check is now about $1,976.
SSI recipients receive an average payment of around $699 per month.
However, actual amounts vary based on work history, age at retirement, and other factors.
What to do if your payment is late
If you do not see your deposit after three business days, take these steps:
- Check your bank account or payment card. Sometimes funds post late in the day.
- Review your SSA account. Log into My Social Security to check for updates.
- Call the SSA. Their national number is 1-800-772-1213. You can also visit your local office if needed.
Late payments are rare, but it’s important to act fast if you notice a problem.
Background you should know
The SSA sends out more than 70 million payments each month. While the schedule is consistent, technical issues, banking errors, or incomplete paperwork can cause delays.
Setting up direct deposit remains the fastest, safest way to get your benefits on time every month. If you still receive paper checks, you might face longer delays or even lose your payment in the mail.
If you want to set up or change direct deposit information, visit ssa.gov or call the SSA directly.
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