Social Security recipients and SSI beneficiaries can expect a distinctive payment schedule in December 2025, with certain dates shifted due to holidays and government rules. Understanding the exact timing is crucial for financial planning, especially as January’s payment for some arrives early. Below, find essential details about the December 2025 Social Security payment schedule, as well as major changes and important tips for all recipients.
Important December 2025 Payment Dates
Social Security and Supplemental Security Income (SSI) payments follow a set schedule designed by the Social Security Administration (SSA). December 2025 features standard cycles but introduces slight adjustments because of the New Year holiday. Every group is paid on a different day, according to their benefits and date of birth.
Who Gets Paid, and When?
Supplemental Security Income (SSI) for December is paid on Monday, December 1, 2025.
Individuals who receive both Social Security and SSI, or began receiving benefits before May 1997, get paid on Wednesday, December 3, 2025.
For those born between the 1st and 10th of any month, Social Security checks are sent Wednesday, December 10.
Birthdays between the 11th and 20th get their payments on Wednesday, December 17.
Recipients with birthdays from the 21st to 31st receive funds Wednesday, December 24.
An additional SSI payment, covering January 2026, arrives Wednesday, December 31, 2025, due to bank closures on the New Year holiday
At a Glance: December 2025 Social Security Payment Schedule
| Benefit Type & Group |
Payment Date |
| SSI (December benefit) |
December 1, 2025 |
| Social Security (SSI + Social Security, pre-May 1997) |
December 3, 2025 |
| Social Security (Born 1st–10th) |
December 10, 2025 |
| Social Security (Born 11th–20th) |
December 17, 2025 |
| Social Security (Born 21st–31st) |
December 24, 2025 |
| SSI (January 2026 benefit, paid early) |
December 31, 2025 |
Early Payments: Why Two SSI Checks?
December is unique because SSI recipients receive two checks: one on December 1 (for December) and another on December 31 (covering January 2026). This adjustment is necessary because banks and the SSA do not process payments on federal holidays. Receiving an advance January payment can impact budgeting, so recipients should plan accordingly and not mistake this as a “bonus”.
Who Should Expect a Change?
Some groups will notice timing differences, but not in the overall amount received. Anyone who:
- Gets both SSI and Social Security
- Began receiving benefits before May 1997
- Depends on receiving their payment before a holiday
should pay close attention to their specific scheduled date. Recipients should note that direct deposit payments appear in accounts on the scheduled day, while paper checks may take up to five days to arrive.
No COLA Increase Reflected Yet
December’s payments do not reflect the new 2026 Cost-of-Living Adjustment (COLA), which takes effect for payments issued in January. However, the early SSI payment on December 31 will include the 2026 COLA increase, as it technically covers the January benefit. Regular Social Security payments remain at 2025 levels for all December disbursements.
Tips for Smooth Transactions
All recipients must use direct deposit or a Direct Express debit card—paper checks have been phased out per 2025 executive order changes. If you notice a missing or delayed payment, the SSA recommends waiting at least three business days before contacting them. Always review your bank account for deposits before seeking official assistance to avoid unnecessary stress.
Planning for Early SSI Deposit
Because SSI recipients are getting January’s payment a day early, careful planning is essential. Spend accordingly and remember that there will not be another SSI payment until February 2026. This schedule especially affects those relying solely on SSI, emphasizing the need to budget for a potential five-week gap between deposits.
What to Do for Help
If your payment does not arrive on the expected date, check your account online at the SSA’s My Social Security portal or call the SSA. Make sure your contact and deposit information is current to avoid disruptions. Remember, while the schedule may be complex, understanding these key dates ensures peace of mind through the holiday and into the New Year.
