When Will Disability Checks Be Deposited This Month?

The timing of disability check deposits is important to recipients who rely on these benefits for their daily expenses. Knowing exactly your funds will be available can help you manage your finances more effectively. Not knowing when to expect those funds to hit your account can result in unnecessary stress and anxiety.

At Sackett & Associates Disability Law Firm, we concentrate on helping disabled people get and keep the valuable Social Security benefits they deserve. We have extensive experience dealing with the Social Security Administration (SSA). We understand how essential it is to provide accurate, reliable information to our clients to help them reduce their stress. In this article, we explain how the Social Security Administration determines the deposit dates for your Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits. If you have questions about any aspect of disability law or Social Security disability benefits, contact our office today. We’re ready to help you.

Social Security Disability Insurance (SSDI)

SSDI benefits are paid to individuals with a qualifying disability who meet specific work history requirements. The dates on which SSDI benefits are deposited depend on the day of the month on which the beneficiary was born. Here is the schedule the SSA follows:

1. Beneficiary’s Birth Date on the 1st-10th: If your birth date falls between the 1st and 10th of the month, your SSDI benefits will be deposited on the second Wednesday of each month.
2. Birth Date on the 11th-20th: If your birth date falls between the 11th and 20th of the month, your SSDI benefits will be deposited on the third Wednesday of each month.
3. Birth Date on the 21st-31st: If your birth date falls between the 21st and 31st of the month, your SSDI benefits will be deposited on the fourth Wednesday of each month.

For instance, if you were born on January 5th, your SSDI benefits for June would be deposited on the second Wednesday of June. Similarly, if your birth date is June 15th, you can expect your benefits on the third Wednesday of June.

It’s important to note that if the payment date falls on a weekend or holiday, the deposit will typically be made on the previous business day.

Supplemental Security Income (SSI)

SSI benefits are provided to individuals with limited income and resources who are either elderly, blind, or disabled by a qualifying impairment. Unlike SSDI, SSI benefits are not based on work history. The payment schedule for SSI benefits is more straightforward:

1. Monthly Payment Date: SSI benefits are generally deposited on the first day of each month.
2. Exceptions: If the first day of the month falls on a weekend or a federal holiday, the deposit will be made on the last business day of the previous month.

For example, if the first of the month is a Saturday, SSI benefits will be deposited on the preceding Friday. Similarly, if the first falls on a holiday like New Year’s Day, the deposit will occur on the last business day of December.

Combined SSDI and SSI Benefits

Some individuals may receive both SSDI and SSI benefits. In these cases, the payment schedule follows the rules for both programs. SSI benefits will be deposited on the first day of the month (or the last business day of the previous month if the first is a weekend or holiday), and SSDI benefits will follow the birth date schedule outlined above.

Special Exceptions

There are a several special situations that can affect the timing of disability check deposits:

1. Retroactive Benefits: If you are awarded retroactive benefits, the timing of these payments may differ from the regular monthly schedule. Retroactive benefits are typically paid in a lump sum but can be disbursed in installments in certain situations.
2. Direct Express Card: Some beneficiaries use the Direct Express card to receive their payments. The timing for these deposits follows the same schedule as direct deposits to a bank account.
3. Paper Checks: Although most beneficiaries receive their payments electronically, a small number still receive paper checks. These checks are mailed on the same schedule as electronic payments, but delivery times can vary based on postal service operations.

How to Verify Your Disability Benefits Payment Dates

The Social Security Administration (SSA) provides several ways for beneficiaries to verify their payment dates:

1. My Social Security Account: Creating a “My Social Security” account online allows beneficiaries to view their payment history, check future payment dates, and manage other aspects of their benefits.
2. Payment Calendar: The SSA publishes an annual payment calendar on its website, which details the deposit dates for both SSDI and SSI benefits.
3. Customer Service: Beneficiaries can contact the SSA directly through their toll-free number (1-800-772-1213) for assistance with payment inquiries.
4. Contact Your SSDI or SSI Disability Lawyer: If none of the first three options get you the information you need, contact an experienced Social Security disability lawyer. It is highly advisable to always work with a knowledgeable disability attorney like Sackett & Associates when you are preparing or applying for disability benefits. You can always call to get information related to the claim they handled for you.
5. Planning for Payment Delays:While payment schedules are usually reliable, there can be occasional delays. Beneficiaries should try to plan ahead and have a small financial cushion to cover essential expenses in case of unexpected payment delays. Here are a few tips for managing your finances:
6. Budgeting: Create a monthly budget that outlines your income and expenses. This can help you manage your funds more effectively and avoid financial shortfalls.
7. Emergency Fund: Try to set aside a small amount of money each month to build an emergency fund. This can provide a safety net in case of payment delays or other financial emergencies.
8. Bill Payments: Schedule your bill payments around your expected deposit dates. Most utility companies and creditors offer flexible payment options that let you to align your payment schedule with your benefit deposits.

At Sackett & Associates Disability Law Office, we take pride in our national client services. Once you work with us, we want to be there whenever you need help addressing a disability benefits-related issue. If you are considering filing for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, contact our office for help.