Next SSA Payments Delayed Until August — Here’s Who Has to Wait

Muskan

- Webdesk

Advertisement

If you’re relying on a Social Security payment to get by each month, you’re probably checking the calendar. Unfortunately, there’s some bad news for a specific group of beneficiaries — no more payments will go out this month. The next round of payments won’t hit bank accounts until early August, depending on what kind of benefit you receive and when you were born.

Here’s what you need to know about the current Social Security Administration (SSA) payment schedule, who’s affected by the delay, and how to plan around it.

Schedule

The SSA sticks to a pretty rigid payment calendar, and for a good reason. With around 70 million people receiving monthly payments, consistency is key. Unless a scheduled payment date falls on a weekend or holiday, the SSA doesn’t change much.

Advertisement

Here’s the regular payment breakdown:

Birth Date RangePayment Date (Monthly)
1st–10th2nd Wednesday
11th–20th3rd Wednesday
21st–31st4th Wednesday

But if you’re receiving Supplemental Security Income (SSI) only, your payment arrives on the 1st of every month. If you receive both SSI and Social Security retirement, or if you started receiving benefits before May 1997, then you get paid on the 3rd of the month — no matter your birth date.

Delay

The last SSA payment of the current month already went out this past Wednesday. That means, if you didn’t receive your money this week, you won’t get another deposit until August 1st or later.

Here’s how the next payments are scheduled:

  • August 1st: SSI-only recipients
  • August 3rd: Those who receive both SSI and retirement OR claimed retirement benefits before May 1997
  • August 14th: Birth dates from 1st to 10th
  • August 21st: Birth dates from 11th to 20th
  • August 28th: Birth dates from 21st to 31st

So, depending on your category and birth date, you might have to wait a couple of weeks — or more — before your next payment lands.

Maximum

Wondering how some people are getting $5,108 per month from Social Security? That’s the maximum monthly benefit, but very few receive it. In fact, the average payment is closer to $2,000.

To receive the full $5,108, you must meet some pretty strict conditions:

  • You delayed claiming benefits until age 70
  • You paid Social Security taxes for 35 years
  • You earned 40 work credits (which equals about 10 years of work)

The biggest factor here is waiting to claim. You can start taking benefits at age 62, but that locks you into a lower monthly payout. The SSA gives you a bigger check each month the longer you wait — up to age 70. After that, the monthly amount doesn’t increase any further, so that’s the sweet spot for maxing out your benefit.

Planning

SSA beneficiaries — especially those relying on SSI or disability income — are some of the most financially vulnerable people in the country. That’s why any delay, even a scheduled one, can create real stress. Planning becomes absolutely essential.

If you’re not sure when your next payment is coming, log into your My Social Security account online or check your direct deposit history with your bank.

Delays like this are not unexpected, but they can still hurt. The best thing you can do is stay on top of the schedule and plan your spending accordingly — especially if you’re counting down the days.

FAQs

When is the next SSA payment?

August 1st for SSI-only recipients, others later.

Who gets paid on the 3rd of each month?

SSI and retirement beneficiaries or pre-May 1997 claimants.

How much is the average SSA payment?

About $2,000 per month on average.

What’s the max SSA monthly benefit?

The maximum is $5,108 per month.

When should I claim SSA for max benefits?

At age 70 to receive the highest monthly payment.
Advertisement

Join the Discussion