For Social Security Disability Insurance (SSDI) recipients, the payment schedule follows a standard monthly pattern. In September 2025, the last SSDI payment will arrive on Wednesday, September 24 for those whose birthdays fall between the 21st and 31st of any month.
If today is just under a week before that date, those in that birth-date group can expect their benefit in less than a week.
How the SSDI / Social Security Payment Schedule Works
Here’s a breakdown of how monthly payments are distributed by the Social Security Administration (SSA) including SSDI, retirement, survivor, and other benefit types:
| Birth Date / Category | Payment Date in September 2025 |
|---|---|
| Birthdays 1st – 10th | Wednesday, September 10 |
| Birthdays 11th – 20th | Wednesday, September 17 |
| Birthdays 21st – 31st | Wednesday, September 24 |
| Started receiving benefits before May 1997, or receive both Social Security & SSI | Wednesday, September 3 |
| SSI (Supplemental Security Income) | The SSI payment usually falls on the 1st of the month unless that day is a holiday or weekend; for September, because September 1 is Labor Day, the SSI check for September is sent early on Friday, August 29. |
Amounts & Cost-of-Living Adjustments (COLA)
- There’s a 2.5% cost-of-living adjustment (COLA) applied in 2025 across SSDI, retirement, survivor, and other SSA benefits.
- The maximum SSDI benefit for 2025 is approximately $4,018/month for those with maximum work contributions.
- Many SSDI beneficiaries will receive less than the maximum, because their benefit depends on their lifetime earnings history (average indexed monthly earnings, or AIME), and other factors.
Key Changes & Reminders
- Because September 1, 2025 is a federal holiday (Labor Day), SSI payments that are usually scheduled for September 1 are being issued early (on August 29). That means no SSI deposit during the calendar month of September for some recipients.
- If your scheduled payment date falls on a weekend or a holiday, SSA usually sends the payment on the preceding business day.
How to Make Sure You Receive Your Payment On Time
- Ensure your bank account or Direct Express card details with SSA are up to date; electronic payments are faster and experience fewer delays than mailed checks.
- Check your “birthday group” (1-10, 11-20, 21-31) to know which Wednesday your payment is due.
- If payments are delayed, especially mail-based ones, allow three extra business days before contacting SSA.
If your SSD I benefit payment is due at the end of the month, and your birthday falls between the 21st and 31st, your final check for September will arrive on Wednesday, September 24 — which is less than one week away if you’re checking now.
Be aware of the SSI holiday shift, ensure your payment method is up to date, and take note of COLA adjustments. Knowing your payment date helps avoid stress and ensures your budgeting is on track.
FAQs
Will all SSDI recipients get a payment in the last week of September regardless of birth date?
No. Only those whose birthdays are between 21st and 31st receive their payment on Wednesday, September 24. Others receive theirs earlier depending on their birthday group or special status (e.g. pre-May 1997, or receiving both SSDI & SSI).
Why is there no SSI deposit during September for some recipients?
Because September 1 is Labor Day, which is a federal holiday. The SSI payment due that day is issued early on August 29, so there is no SSI check during the calendar month of September for those recipients.
Does the COLA change mean my SSDI benefit increased this September?
The 2.5% COLA took effect in January 2025, so yes, the increase is already included in the monthly amounts you’ve been receiving throughout the year, including September.
