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Millions of Americans rely on Social Security benefits each month—but understanding exactly when those payments arrive can make a major difference in budgeting, planning, and maintaining financial stability.
Here is a detailed look at December 2025 Social Security and SSI payment dates, plus updates on the 2026 COLA increase.
Why the December Payment Schedule Matters
More than 70 million Americans count on Social Security for consistent financial support. This includes beneficiaries receiving retirement, disability, and survivor benefits.
Because the program serves such a large population, the Social Security Administration (SSA) spreads payments throughout the month to prevent overwhelming the system.
For many people, the payment date is tied to their birth date, while others—such as those who receive Supplemental Security Income (SSI) or began benefits before May 1997—follow a separate schedule.
How Social Security Determines Monthly Payment Dates
Different Rules for SSI and Early Beneficiaries
Not everyone receives their benefits based solely on their birthday. If you:
- started claiming retirement, spousal, or survivor benefits before May 1997, or
- receive SSI in addition to Social Security,
your payment day is determined by a special calendar.
SSI offers monthly support to seniors with low income and individuals who are blind or living with disabilities.
Full Social Security & SSI Payment Schedule for December 2025
Below is the official December 2025 payment timeline:
- Monday, December 1: SSI payments
- Wednesday, December 3: Social Security for beneficiaries who also receive SSI
- Wednesday, December 10: Birthdays 1st–10th
- Wednesday, December 17: Birthdays 11th–20th
- Wednesday, December 24: Birthdays 21st–31st
Early SSI Payment for January 2026
Because January 1 is a federal holiday, SSI recipients will receive their January 2026 benefit early—on December 31, 2025.
According to the SSA, whenever the first day of the month falls on a weekend or holiday, SSI is paid the previous business day. While this may result in two SSI deposits in one month, it does not mean beneficiaries are receiving extra or duplicate payments.
2026 COLA Increase: What Beneficiaries Can Expect
A 2.8% Cost-of-Living Adjustment (COLA) begins:
- December 2025 for SSI recipients
- January 2026 for all other Social Security beneficiaries
This adjustment will raise the average retiree’s monthly benefit by approximately $56, helping payments better reflect rising living costs.
SSA Commissioner Frank J. Bisignano emphasized that COLA ensures Social Security continues to offer meaningful protection in today’s economic environment, calling it “a vital part of how Social Security delivers on its mission.”
The December 2025 Social Security and SSI payment schedule includes several early and adjusted dates due to federal holidays. With more than 70 million Americans relying on these benefits, understanding when your payment arrives is essential for planning ahead.
The upcoming 2.8% COLA increase—which begins for most beneficiaries in early 2026—will further support retirees and individuals living on fixed incomes. Staying informed ensures you can make the most of your monthly benefits.