The January 2025 payment schedule for SSDI and SSI benefits is managed by the SSA. The timing of payments depends on the individual's birth date and the date they first filed their claim.
The day you get paid also depends on the type of disability insurance you have.
Keep reading to find out which day your SSI/SSDI payment will arrive.
January 2025 Disability Payment Schedule
Will my SSDI check come early in January 2025?
| If your birthday falls between: | Your SSDI benefit is paid: |
| 1st – 10th of the month | Wednesday, Jan. 8, 2025 |
| 11th – 20th of the month | Wednesday, Jan. 15, 2025 |
| 21st – 31st of the month | Wednesday, Jan. 22, 2025 |
The schedule for SSDI payments is based on your birth date. If your birthday falls between the 1st and 10th of the month, your payments are sent on the second Wednesday of the month. If your birthday falls between the 11th and 20th, you'll receive payment on the third Wednesday, and if your birthday is from the 21st to the 31st, payments are made on the fourth Wednesday of the month.
Will my SSI check come early in January 2025?
SSI benefits are paid on the 1st of each month, with some exceptions. If the 1st lands on a weekend or federal holiday, payment is sent on the preceding business day.
Since Jan. 1st is a holiday, the January SSI benefit is actually paid on Dec. 31, the previous day.
This means that there is no SSI payment in January 2025 since recipients were paid twice in December 2024.
More About Exceptions
There can be payment exceptions if the payment date lands on a weekend or federal holiday.
Federal Holiday Exception: If your SSDI payment date lands on a Federal holiday, benefits will be paid one day earlier.
Weekend Exception: For SSI payments, if the 1st of the month lands on a weekend, the SSI payment will be sent on the previous business day. This means that sometimes you can receive two SSI payments in the same month (and the next month will be skipped).
Claims Filed Before May 1997: Recipients who filed for benefits before May 1997 are paid on the 3rd of each month. For this group, the birth date is not used to determine the payment date.
Receiving Both SSDI and SSI: If you are receiving both SSDI and SSI, your SSDI benefit is paid on the 3rd of the month, and your SSI payment is paid on the 1st.
What day is my January 2025 payment?
Let’s take a look at the payment dates for January 2025 and see if there are any upcoming exceptions caused by weekends or holidays. This month, SSI payments are skipped since they were paid twice in December 2024.
Jan. 01: No SSI payment this month. Since Jan. 1st is a federal holiday, payments are sent on Dec. 31th instead.
Jan. 03: The following groups will receive an SSDI payment on Friday, Jan. 03, 2025.
- Beneficiaries who filed a claim before May 1997
- Beneficiaries who receive both SSDI and SSI
All other beneficiaries are assigned a payment day based on their birth date.
Jan. 08: If your birthday falls between the 1st – 10th of the month, you can expect your payment on Jan. 08 (the 2nd Wednesday of the month).
Jan. 15: If your birth date falls between the 11th – 20th, you will get paid on Jan. 15 (the 3rd Wednesday of the month).
Jan. 22: If your birthday lands between the 21st – 31st, you can expect your payment on Jan. 22 (the 4th Wednesday of the month).
Jan. 31 (early payment!): This month, the February SSI payment will arrive early on Jan. 31, 2025. This is because Feb. 1st lands on a weekend, so benefits are paid on the previous Friday.
Receiving your benefit payments
When you file an SSDI or SSI claim, you will be asked to choose a payment method. You can receive your benefit payments via direct deposit or debit card.
Direct Deposit
Direct deposit is the safest and most convenient way to receive your SSDI or SSI payments. This option sends the money straight to your bank account. You can sign up online at Go Direct or by calling 1-800-333-1795.
You can also log in to your mySocialSecurity account and update your payment preferences. Once set up, the payment is automatically deposited into your account each month, and the money can be used that same day.
Direct Express Debit Card
You can also choose to receive your benefits through a Direct Express debit card. The card lets you access your benefits and use the money to shop, pay bills, or get cash.
The Direct Express Mastercard lets you access your benefit payments without needing a bank account. Your federal payment goes right into your card account, and your monthly funds are ready on the same day.
To sign up, you will need to provide your date of birth, Social Security number, and SSDI/SSI claim number.
Is your payment late?
If you haven't received your payment, please wait three business days before contacting the SSA. The SSA will take steps to make sure you receive your benefit payment.
