Social Security beneficiaries in the United States may have been confused by the May payment distribution dates, as the way the calendar falls this year means some payments will arrive later than usual, generating doubts and expectations among those who depend on this monthly income.
If you receive payments from Social Security or Supplemental Security Income (SSI), it is important to know when you will receive your money.
Unlike other months, Social Security payments in May are scheduled as late as possible, simply because of how the Wednesdays of the month line up.
Official SSA Payment Schedule for May 2025
The Social Security Administration (SSA) issues payments based on beneficiaries’ birth dates. Here’s the schedule for May 2025:
| Birth Date Range | Payment Date |
|---|---|
| 1st – 10th | Wednesday, May 14, 2025 |
| 11th – 20th | Wednesday, May 21, 2025 |
| 21st – 31st | Wednesday, May 28, 2025 |
It’s important to note that if you receive Social Security benefits based on your spouse’s work history, the payment date is based on his or her date of birth.
Additionally, those who began receiving benefits before May 1997 usually receive their payment on the third day of each month. If they also receive SSI, that benefit arrives on the first.
Supplemental Security Income (SSI) Payments
May also brings good news for SSI recipients: there will be a second check this month. The first one was issued on May 1, as usual.
However, the second one will arrive on May 30. Why? June 1 falls on a Sunday, so the June payment is brought forward to the last working day in May.
SSI helps about 7.4 million Americans, including people with disabilities, children, and older adults with limited incomes. About half of them also receive regular Social Security benefits.
What If Your SSA Payment Does Not Arrive?
The Social Security Administration recommends waiting three business days after the scheduled date before contacting them. However, it is worth noting that 99% of payments are made electronically, so delays are uncommon.
Cost-of-Living Adjustment (COLA) for 2025
In 2025, Social Security beneficiaries received a 2.5% cost-of-living adjustment (COLA), increasing the average monthly benefit to approximately $1,976.
This adjustment aims to help retirees cope with inflation. The COLA is applied automatically; no action is required from beneficiaries.
Social Security Fairness Act Impact
The Social Security Fairness Act, signed into law in January 2025, repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO).
This change resulted in increased benefits for many retirees, with some receiving retroactive payments. For instance, individuals affected by the WEP saw an average increase of $360 in their monthly checks.
Staying informed about your Social Security benefits ensures you receive your payments on time and can plan your finances accordingly.
Always refer to official SSA communications for the most accurate and up-to-date information.
FAQs
How can I check my Social Security payment status?
You can check your payment status by logging into your “my Social Security” account on the SSA website.
What should I do if I haven’t received my payment after three business days?
First, contact your bank or financial institution to check for any delays. If the payment is still missing, contact the SSA directly at 1-800-772-1213.
Will there be any changes to the payment schedule in the coming months?
The SSA provides a payment schedule annually. Any changes will be communicated through official channels. It’s advisable to regularly check the SSA website for updates.
