Some of the over 71 million Americans who receive Social Security payments may have received smaller checks recently; however, payments should continue to arrive on time.
The second round of disability payments has arrived, and August will include a second SSI check near the end of the month to account for the timing of Labor Day.
Here’s what you should know about the upcoming Social Security payments.
Why is my Social Security check smaller this month? What to know about Social Security repayments
Those who were overpaid by the Social Security Administration and have yet to begin the repayment process may have noticed a decrease in their monthly benefits.
Individuals with outstanding overpayments saw 50% of their monthly benefits withheld by the Social Security Administration at the end of July. This is a new phase in the agency’s efforts to recover billions of dollars in accidental overpayments.
While the SSA has not publicly confirmed the number of affected beneficiaries, records obtained through a Freedom of Information Act request show the agency attempted to reclaim overpayments from approximately 2 million people in the fiscal year ending September 2023, according to KFF and Cox Media Group.
If you received more money than you were entitled to through Social Security or Supplemental Security Income (SSI) and have not set up a repayment plan, your benefits may be cut in half. This applies even if the overpayment was not your fault.
According to its new policies, the SSA will begin issuing overpayment notices on April 25, 2025, and will begin withholding 50% of the recipient’s benefits after about 90 days (or around July 24, at the earliest), until the overpayment is repaid.
Withholding began: Around July 24, 2025, depending on when you received your overpayment notice
Repayment options:Â Online bill pay, credit card or check
Waiver requests: You can ask the SSA to waive the repayment if:
The overpayment wasn’t your fault
You can’t afford to repay
Repayment would be unfair
Waiver and repayment information is available on the SSA website.
When will I get my August 2025 Social Security direct deposit? See disability payment schedule
The Social Security Administration’s annual distribution schedules for 2025 and 2026 are available online, allowing you to use the calendar for budgeting purposes.
The SSA is sending out regular Social Security retirement benefits on schedule, with the second August payment arriving this week:
Wednesday, August 13:Â Birth dates between the first and 10th of the month
Wednesday, August 20:Â Birth dates between the 11th and the 20th of the month
Wednesday, August 27:Â Birth dates between the 21st and the 31st of the month
SSI payment schedule 2025
Those receiving Supplemental Security Income (SSI) should have received their August 2025 payment by Friday, August 1. If you haven’t received your payment by the expected date, the Social Security Administration recommends that you wait three additional mailing days before contacting the agency; most payments arrive on time because 99% of beneficiaries are paid electronically.
There will be a second payment this month, on August 29. September 1 is Labor Day, despite the fact that it falls on a Monday. September’s payment will arrive early because Social Security does not pay on federal holidays.
When the first of the month coincides with a federal holiday or a weekend, SSI benefits are issued earlier. The recipients will also receive two checks in August (none in September), October (none in November), and December (none in January 2026). According to the SSA calendar, SSI checks will be issued on the following remaining dates in 2025:
Friday, Aug. 29, 2025Â (Check for September 2025)
Wednesday, Oct. 1, 2025Â (Check for October 2025)
Friday, Oct. 31, 2025Â (Check for November 2025)
Monday, Dec. 1, 2025Â (Check for December 2025)
Wednesday, Dec. 31, 2025Â (Check for January 2026)
What is SSI?
Supplemental Security Income provides monthly benefits to those with limited income or resources who are 65 or older, blind or have a qualifying disability. Children with a qualifying disability can also get SSI, according to the SSA’s website.
In general, adults who qualify for SSI do not have monthly wages above $2,019.
Those who may be eligible for SSI can begin the application process online, in person at their local Social Security office, or by calling 1-800-772-1213 (TTY 1-800-325-0778) from 8 a.m. to 7 p.m. local time, Monday through Friday.
How to get a copy of Social Security card
The SSA will replace a lost or stolen Social Security card for free, offering three options.
Online
Individuals can request a new Social Security card online, which is the most convenient and secure method.
are a U.S. citizen age 18 or older
have a U.S. mailing address
don’t need to change the name or other information on the card
have a driver’s license or state-issued ID
have a personal my Social Security account
In-person
An application for a new card can be completed by visiting a local Social Security office. Individuals may be able to start the application (Form SS-5) online before scheduling an appointment, or the entire application can be filled out in-office. In addition to Form SS-5, unexpired identification documents must be brought to the office.
By mail
The third and final option for getting a new Social Security card is by mail. Individuals can complete the application (Form SS-5) and mail it along with original or certified copies of required documents, which include those that verify:
identity:Â U.S. driver’s license, state-issued non-driver identification card or U.S. passport
U.S. citizenship:Â U.S. birth certificate or U.S. passport.
Once approved, the SSA will typically send replacement cards within 7 to 10 business days.
What is the Social Security full retirement age for 2025?
The full, or “normal,” retirement age has gradually increased in recent years, rising by two months with each successive birth year. For example, if you were born in 1958, your full retirement age is 66 years and 8 months, whereas those born in 1959 reach it at 66 years and 10 months.
Individuals born between May 2, 1958, and February 28, 1959 will reach full retirement age in 2025, according to the Social Security Administration. For those born in 1960 or later, the full retirement age will rise to 67.
Can people under the retirement age get their benefits now?
Yes, but there are consequences to getting in too early. Workers can receive benefits as early as age 62, albeit at a reduced rate. Those who wait until they are 70 years old to claim benefits, on the other hand, receive a larger monthly payment.
Other changes to Social Security in 2025 include a lower cost-of-living adjustment (2.5%, down from 3.4%), an increase in the maximum taxable earnings limit from $168,000 to $176,100, and expanded appointment-based services at Social Security offices across the country.
What is the maximum Social Security benefit for 2025?
According to the SSA, the highest monthly Social Security benefit for individuals retiring at full retirement age in 2024 will be $3,822. Due to inflation adjustments in how Social Security is calculated and how past earnings are adjusted for inflation, this maximum benefit will rise to $4,018 per month, totaling more than $48,000 annually in 2025.
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