If you receive Social Security benefits of any kind from the U.S. Social Security Administration (SSA), whether they are Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), or other benefits (such as retirement or survivor), knowing the SSA deposit dates for 2023 is key to your ability to set a monthly budget. The following guide will help you: it will cover everything you need to know about the SSA check schedule for September of this year.
SSA mails retirement, disability, and survivor benefit payments according to the following schedule:
- Payments are issued to recipients born between the 1st and 10th of the month on the second Wednesday of the month. For September 2023 Social Security payments, September 13, 2023 is the second Wednesday. So, Social Security benefit recipients born between September 1 and 10 will receive their checks on Wednesday, September 13, 2023.
- For recipients born between the 11th and 20th, payments will be issued on the third Wednesday of the month. This year, that specific date is September 20, 2023. So, Social Security benefit recipients born between September 11 and September 20 will receive their checks on Wednesday, September 20, 2023.
- The SSA issues payments to those born between the 21st and the 31st on the fourth Wednesday of the month, which this year is September 27. So, Social Security benefit recipients born between September 21 and September 31 will receive their checks on Wednesday, September 27, 2023.
(Important note: If someone applied for benefits before May 1997, they will usually receive their benefits on the date third Wednesday of the month (Wednesday, September 20, 2023)regardless of his birthday.)
The schedule for receiving SSI checks is slightly different than the schedule described above. The SSA tends to issue SSI checks on the first day of the month. Thus, SSI recipients will receive their checks on Friday, September 1, 2023.
SSA also issues SSI checks on the last Friday of the month if the first of the following month falls on a weekend. Because October 1 is a Sunday, SSA will pay October SSI benefits on Friday, October 29, 2023.
Understanding the SSA schedule of checks is key to responsible financial planning. As you learn about the SSA payment schedule, keep in mind that these benefits are intended to help you cover the cost of food, shelter, and other similar basic needs.
Plan your budget accordingly. You can also use a free Social Security benefits calculator to get an idea of how much money you might be eligible to receive each month.
Thanks to a cost-of-living adjustment (COLA) of 8.7%, which takes inflation into account, Social Security recipients received higher payments in August 2023 than in August 2022. This adjustment ensures that retirees and other similar people can still cover the costs of their basic needs without being prevented by inflation.
Supplemental Security Income recipients may qualify for benefits if:
- Are disabled or elderly and unable to engage in substantial gainful activity (SGA). In 2023, a person who is not blind may be considered able to participate in SGA if they obtain a minimum of $1,470 per month. If they are blind, the The SGA rate is $2,460 per month.
- You are a US citizen or legal alien.
- They generally have limited income and resources.
Criteria to qualify for SSDI benefits include:
- Have a condition that meets the SSA definition of disability.
- Have contributed to Social Security and have obtained sufficient work credits for having worked in the past.
- Not being able to participate in SGA.
- Be under age 65, as SSDI benefits convert to retirement benefits once a person turns 65.
A person may also qualify for retirement benefits if they have earned at least 40 work credits and paid into Social Security. The age at which one can receive retirement benefits can vary depending on when she was born. In addition, the surviving spouses, children, loved ones, and in some cases parents of someone who contributed to Social Security and was therefore eligible for benefits, may also be eligible for benefits.
If you think you may qualify for SSI or SSDI, check with the SSA Blue Book to find out if your condition meets the SSA definition of disability. Contact SSA directly for more information on whether you qualify for other forms of benefits.
Although SSA strives to adhere to a consistent payment schedule, delays do sometimes occur. Factors that may influence the September 2023 Social Security payment dates include (but are not necessarily limited to):
- Weather, as inclement weather can delay delivery of checks.
- Delays in the general postal service.
- Weekends and holidays.
- Changes in your address.
- General delays at SSA.
- Changes in your bank account or other relevant financial information.
It’s worth noting that it’s increasingly rare to receive a Social Security payment in the form of a physical check. Instead, recipients can sign up for Social Security direct deposit.
Doing so can prevent delays. In addition, recipients can accept payments through a Direct Express® Card. It is essentially a debit card that allows a person to accept, access and use payment funds without necessarily having a bank account.
Getting familiar with the Social Security payment schedule and knowing when to expect Social Security payments in 2023 is vitally important for a very basic and practical reason: Knowing when you can receive funds allows you to budget more effectively. If you can plan your budget around the 2023 SSA payment dates, you’ll avoid unnecessary stress and be able to pay your bills on time.
Social Security beneficiaries may consider establishing a my social security account online. Through their accounts, recipients can set up and change direct deposit, change their addresses, and generally monitor payments to potentially receive them faster.
How you should respond if you haven’t received your SSDI or SSI check when you expected may vary depending on how you receive your Social Security benefit payments. If you receive direct deposit payments, contact SSA immediately if it appears that a payment has not been processed.
If you receive payments by mail, consider waiting a day or two before taking action. Any of the factors listed above could have caused your check to be delayed.
Hopefully, the information here will help you budget more effectively if you receive SSA benefits. Again, it’s best to contact the SSA if you ever feel like a payment hasn’t been made. They can help you better understand when payments are due and what you can do to receive them sooner than you otherwise would. Please continue to check here to also stay informed about future changes and updates.
You can contact the SSA by calling them toll free at 1-800-772-1213 (TTY 1-800-325-0778) or by contacting your local representative. social insurance office to report a missing, late, or stolen Social Security payment.
