For individuals relying on disability benefits, knowing the timing of payments is crucial. This guide outlines the schedules for Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), offering tips to help recipients manage their finances effectively.
Disability Payment Timing Explained
SSI Payments
SSI benefits are typically deposited on the first day of each month. If the first falls on a weekend or holiday, payments are made on the preceding business day.
SSDI Payments
SSDI payments are distributed on the 2nd, 3rd, or 4th Wednesday of each month, depending on the recipient’s birth date.
Which Arrives First?
Generally, SSI payments arrive before SSDI payments due to their earlier, more predictable schedule.
What are SSI and SSDI?
What is SSI?
Supplemental Security Income (SSI) is a program for low-income individuals who are elderly, blind, or disabled. Unlike SSDI, SSI is need-based and does not require a work history.
What is SSDI?
Social Security Disability Insurance (SSDI) provides benefits to people who have paid Social Security taxes but can no longer work due to disability. SSDI eligibility depends on an individual’s work history rather than financial need.
When to Expect Your Payments
SSI Payment Schedule
- SSI payments are made on the 1st of each month.
- If the 1st falls on a weekend or holiday, expect payments on the prior business day. Example: If July 1 is a Saturday, payments would be made on Friday, June 30.
SSDI Payment Schedule
SSDI payments are based on your birth date:
- Birth Date 1st–10th: Second Wednesday of the month.
- Birth Date 11th–20th: Third Wednesday of the month.
- Birth Date 21st–31st: Fourth Wednesday of the month.
Exceptions:
Those who started receiving SSDI before May 1997 or who also get SSI will see SSDI payments on the 3rd day of each month.
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Example: A person born on April 15 will receive their SSDI payment on the third Wednesday of the month.
Which Payment Comes First?
In most cases, SSI payments are deposited before SSDI. The earlier schedule for SSI, compared to the more staggered SSDI payments based on birth dates, means SSI typically arrives first.
Coordinating SSI and SSDI Payments
For those who qualify for both SSI and SSDI, expect the SSI payment to be deposited first, followed by the SSDI payment later in the month.
Tips for Managing Disability Payments
- Set Reminders: Mark both your SSI and SSDI deposit dates on your calendar to avoid surprises.
- Direct Deposit: Opt for direct deposit to ensure your payments are safely and promptly delivered to your bank account.
- Create a Budget: Strategize your spending to align with the timing of your SSI payment and plan for the SSDI payment later in the month.
- Monitor for Changes: Remember that federal holidays and weekends may cause payment dates to shift, so always check your schedule ahead of time.
FAQs About Disability Payments
What should I do if my payment is delayed?
If your payment hasn’t arrived as expected, contact your bank to check for any pending deposits. If the payment is missing, call the Social Security Administration (SSA) at 1-800-772-1213 or visit their website for assistance.
Can I receive both SSI and SSDI?
Yes, if you meet the eligibility criteria for both programs, you can receive concurrent benefits.
How are holiday payments handled?
If a scheduled payment date falls on a holiday, the SSA will typically deposit your payment on the preceding business day.
Can I change my SSDI payment date?
SSDI payment dates are fixed by the SSA based on your birth date and cannot be altered.