February 2025 Social Security Payments: Here’s When to Expect Your Check

As February 2025 approaches, it’s time to mark your calendar with the Social Security payment schedule. Staying informed ensures you receive your benefits without delay, whether you’re a retiree, a survivor, or receiving disability support.

Who Receives Social Security Payments?

Approximately 68 million Americans depend on Social Security benefits each month. This includes retirees, survivors of deceased workers, disabled individuals, the blind, dependents, and those receiving Supplemental Security Income (SSI).

Key February 2025 Payment Dates

• SSI Payments: Typically sent on the 1st of every month, but since February 1 falls on a Saturday, payments will be advanced to Friday, January 31, 2025.
• Recipients of Both SSI and Social Security: If you receive both SSI and Social Security, or if you claimed Social Security before May 1997, expect your payment on the 3rd of the month as usual—that’s Monday, February 3, 2025.

When Will You Get Your February Payment?

Your Social Security payment date depends on your birthdate:

• Born on the 1st–10th: Payment arrives on the second Wednesday, which is February 12, 2025.
• Born on the 11th–20th: Payment arrives on the third Wednesday, which is February 19, 2025.
• Born on the 21st–31st: Payment arrives on the fourth Wednesday, which is February 26, 2025.

Missing a Payment? Here’s What to Do

If your payment hasn’t arrived:

1. Wait three mailing days before contacting SSA.
2. Call the Social Security Administration at 1-800-772-1213 (Monday through Friday, 8 a.m. to 7 p.m.). Pro tip: Call early in the morning or later in the week to avoid long wait times.

How Are Social Security Benefits Calculated?

Your benefit amount is based on your average indexed monthly earnings (AIME) from your 35 highest-earning years. The SSA applies a formula to determine your primary insurance amount (PIA), which forms the basis of your benefit.

• Age Matters: You can start claiming at age 62, but the longer you wait (up to age 70), the higher your monthly payments.

Why This Matters

For many Americans, Social Security is vital, making up about 30% of income for those over 65. As costs rise—for housing, healthcare, and daily living—being informed about your benefits is crucial.

Stay Informed

For personalized details, create a “my Social Security” account at SSA.gov. You can track payment schedules, review your earnings history, and receive updates anytime.