If you receive Social Security or Supplemental Security Income (SSI) benefits, knowing exactly when your October payment will arrive is key for budgeting and planning.
The SSA uses different payment schedules depending on benefit type, birth date, and other factors.
Below you’ll find the dates for October 2025 and the steps you should take to verify your payment.
When will my SSI payment arrive in October 2025?
For SSI (Supplemental Security Income) beneficiaries, the payment date is traditionally the first of the month.
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For October 2025, the payment date is October 1, 2025.
Because November 1, 2025, falls on a Saturday, the SSA will issue a second payment in late October for the November benefit.
That means an SSI payment will also be made on October 31, 2025.
What are the dates for regular Social Security (retirement, disability, survivor) in October 2025?
If you receive retirement, disability, or survivor benefits via the SSA and you filed your claim after May 1, 1997 (which covers most beneficiaries), your payment is determined by your birthday.
The schedule for October 2025 is:
- If your birthday is between the 1st and 10th of the month, the payment date is Wednesday, October 8, 2025.
- If your birthday is between the 11th and 20th, the payment date is Wednesday, October 15, 2025.
- If your birthday is between the 21st and 31st: payment date is Wednesday, October 22, 2025.
If you had benefits starting before May 1997, you have a different schedule: in October 2025, that group receives payment on Friday, October 3, 2025.
Why is there a second SSI payment in October 2025?
The SSA’s rule is that if the first of the next month (in this case, November 1) falls on a weekend or holiday, then the payment is issued early on the last business day of the previous month.
Since November 1, 2025 is a Saturday, the SSA will issue the November payment on October 31, 2025.
That results in two SSI payments in October: one on Oct 1 and another on October 31.
What should I do if I don’t get my payment on the expected date?
If your payment doesn’t show up on the scheduled date, the SSA recommends:
- Wait at least three business days after the scheduled date before contacting SSA, especially if you receive direct deposit—sometimes the bank’s processing causes a slight delay.
- Verify that your bank account information is correct in your my Social Security account.
- Contact your bank to see if the deposit is pending or was delayed.
- If you receive paper checks (though most beneficiaries now receive direct deposit), check the mailbox and postal delivery times.
- If after three business days there is still no payment, call the SSA’s national number: 1-800-772-1213 (TTY: 1-800-325-0778).
What major changes or rules apply this October?
A few important notes for October 2025:
- The SSA payment schedule remains consistent with previous years: retirement/disability benefits follow the birthday-based Wednesday schedule.
- For SSI, the two-payment month is unusual, so SSI recipients should plan accordingly for budgeting.
- Because of a recent rule change, starting in October 2025, nearly all federal benefit payments (including SSA) will be issued electronically via direct deposit or debit card; paper checks are being phased out.
How can I verify my specific payment date and amount?
You can log into your My Social Security account on the SSA website to:
- View your upcoming benefit payment date.
- Confirm your direct deposit status and bank account information.
- View your benefit amount for the upcoming payment.
- Download or print your benefit verification letter.
If you don’t yet have a my Social Security account, you can set one up online following the SSA’s instructions. Verifying ahead of time helps avoid surprises.