The Social Security Administration (SSA) provides monthly benefits to over 74 million Americans. These payments act as a financial lifeline for retirees, people with disabilities, and survivors of deceased workers.
To handle this massive distribution, the SSA staggers payments across the month, using beneficiaries’ birth dates to determine when they are paid.
Who Gets Paid This Week?
On Wednesday, September 10, 2025, the SSA will issue payments to individuals whose birthdays fall between the 1st and 10th of any month.
If you do not see your deposit on the scheduled date, the SSA advises waiting at least three business days before reaching out. Remember, weekends and federal holidays do not count as business days.
Average and Maximum Social Security Benefits
As of January 2025, the average monthly retirement benefit is $2,006.69. However, the exact payment varies depending on work history, total earnings, and retirement age.
Here’s a breakdown of the maximum benefit amounts:
| Retirement Age | Maximum Monthly Benefit |
|---|---|
| Age 62 (early retirement) | $2,831 |
| Age 67 (full retirement age) | $4,018 |
| Age 70 (delayed retirement) | $5,108 |
Remaining Payment Dates for September
If your birthday falls later in the month, your September 2025 Social Security payment will arrive on the following dates:
- September 17 – Birthdays between the 11th and 20th
- September 24 – Birthdays between the 21st and 31st
What’s Next? 2026 COLA Announcement
In October, the SSA will announce the 2026 Cost-of-Living Adjustment (COLA). This adjustment is designed to ensure that benefits keep pace with inflation.
- For 2026, benefits are expected to rise by 2.7%.
- The COLA is based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), which tracks prices on around 80,000 goods and services.
- The change is determined by comparing the third-quarter CPI-W of the current year to the same quarter of the prior year.
Historical COLA Changes
- 2025: 2.5% increase
- 2024: 3.2% increase
- 2023: Record 8.7% increase due to post-pandemic inflation
- No COLA: 2009, 2010, and 2015
These yearly adjustments are vital for protecting the purchasing power of retirees and beneficiaries.
Millions of Americans depend on Social Security benefits to maintain financial stability. With September’s payments rolling out on September 10, 17, and 24, beneficiaries should check their schedules based on their birth dates.
Looking ahead, the 2026 COLA increase will provide another important boost, helping seniors and other beneficiaries adjust to rising living costs.
FAQs
What if my Social Security payment is delayed?
If your payment doesn’t arrive on the expected date, wait three business days before contacting the SSA.
How is the COLA determined each year?
The COLA is calculated using the CPI-W index, which measures inflation based on consumer prices for goods and services.
Can delaying retirement increase my benefits?
Yes. Waiting until age 70 to claim benefits allows you to receive the maximum monthly benefit, which in 2025 is $5,108.
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