If you’re receiving Social Security benefits, SSI, or Social Security disability benefits in 2023 you may be wondering when your benefits will arrive. It’s important to know when your Social Security check will be sent so that you can create a budget and make sure that your bills get paid on time. And, unless you know when you can expect your Social Security benefits each month, you won’t be able to plan ahead. The 2023 Social Security payment schedule may look confusing at first, but it’s actually very easy to understand once you know what to look for.
Overview of the Social Security Schedule 2023
The Social Security Administration (SSA) sends out benefit payments every month on a set schedule. Exactly when your benefit is sent out each month depends on (1) what type of benefit you get, and (2) when your birth date is.
If you are receiving Supplemental Security Income (SSI), or your child is, those payments should be received on the first day of the month, or possibly the last day of the previous month—depending on how the days fall that month. If the first of the new month is on a weekend, checks will be sent out so that they arrive the Friday before the first day of the new month.
Anyone who started getting their Social Security benefits before May 1997 will receive their benefits on the 3rd of each month.
Everyone else that gets Social Security benefits will get them based on when their birth date is. Retired people receiving Social Security who have a birth date between the 1st and 10th of the month will have their check sent out by the SSA on the second Wednesday of each month. Those with birth dates from the 11th through the 20th will have their checks sent on the third Wednesday of the month. And those with a birth date between the 21st and 31st of the month will have their checks sent out on the fourth Wednesday of the month.
SSI recipients receive their benefits checks on the first day of every month, or the last day of certain months if the first day of the upcoming month happens to fall on a weekend. And, those who began receiving their Social Security payments before May 1997 receive their benefits on the 3rd of each month. For all other Social Security beneficiaries, their monthly checks are sent out by the SSA based on their birthday.
Social Security Payments 2023: How Much Money Will Be Sent Out In June?
People receiving Social Security benefits did receive an 8.7% cost of living adjustment (COLA) this year, so the amount of money that Social Security recipients will receive in June will be slightly higher than they received last June. The average retiree Social Security benefit is now approximately $1,827.
Retirees who retired at 62 can receive up to $2,572. Those who waited until the maximum benefit age of 67 may receive up to $3,627 per month. And people who chose to wait until age 70 to retire can receive up to $4,555 per month.
People who are receiving SSI for themselves or for a child usually receive $600 per month but may receive up to the maximum benefit of $914. A married couple who are both receiving SSI could receive up to $1,371 per month.
The amount of your Social Security benefit for June 2023 depends on your personal circumstances as well as what type of benefit you receive. However, because of the 2023 cost of living adjustment, the amount you receive in June 2023 should be higher than it was in previous years.
Social Security Payment Dates in June 2023
If you are receiving SSI, your SSI benefit check for June 2023 should arrive on Thursday, June 1st. You may receive you July benefit check on Friday, June 30th because July 1st is a Saturday.
If you are receiving any other Social Security benefit, your check will be sent out during the month according to when your birth date is:
- If your birthday is the 1st through 10th of June, your benefit should arrive on Wednesday, June 14th.
- If your birthday is the 11th through 20th of June, your benefit should arrive on Wednesday, June 21st.
- If your birthday is the 21st through 31st of June, your benefit should arrive on Wednesday, June 28th.
Factors That Affect Social Security Payment Dates
The SSA sends out Social Security payment checks on set days assuming that the checks will arrive on the anticipated date given in the official Social Security Administration 2023 payment schedule. However, sometimes things happen that can impact when your check actually arrives. Some of the things that can affect when you receive your benefit check are:
- Weather: If there is significant weather in the state like a blizzard, hurricane, or tornado that has caused a lot of damage, your check may be late as a result of the extra time it takes to travel throughout the state.
- Postal Delays: If there are postal delays or slowdowns, your check may take anywhere from one extra day to several extra days to arrive.
- Weekends And Holidays: Weekends and holidays can cause mail slowdowns too, and your check might be late by a couple of days due to weekends and holidays when the Post Office is closed, and no mail is getting sorted or delivered.
How to Get Your Social Security Payment Faster
If you need to be sure that you can count on your benefits arriving on the same day each month so that you can budget your money and ensure that your bills get paid on time, you can sign up for a direct deposit of your benefits into your bank account. Direct deposits are fast and reliable. Therefore, once you set up a direct deposit with the SSA, you won’t need to worry about whether your check is going to arrive on time every month.
You can also sign up for a My Social Security account and use the Social Security Administration’s debit card to receive your benefits faster if you don’t have a bank account. If you choose to sign up for this card, your monthly benefit amount would be electronically loaded onto a prepaid debit card by the SSA, and you would be able to use this card like a credit card.
What To Do If Your Payment Hasn’t Arrived Yet?
If your Social Security benefit payment hasn’t arrived on time and you receive direct deposits, you should contact the SSA immediately. Conversely, if you receive your benefits check in the mail each month, and you haven’t received your check on the exact day you were supposed to, you should wait a day to see if the check is just a little late. If the check doesn’t arrive the next day, you should contact the SSA right away.
It is important to know and understand the Social Security Administration’s payment schedule so that you are aware of when your benefits are arriving. In doing so, you will enable yourself to plan your spending for the month and make sure that your bills are paid on time.