1. How Are SSDI Payment Dates Determined?

The Social Security Administration (SSA) schedules SSDI payments based on your date of birth:

• If you were born on the 1st-10th: Payment is sent on the second Wednesday of each month
• If you were born on the 11th-20th: Payment is sent on the third Wednesday of each month
• If you were born on the 21st-31st: Payment is sent on the fourth Wednesday of each month

These dates apply to most SSDI recipients unless you started receiving benefits before May 1997, in which case you receive payments on the 3rd of each month.

2. Where Can You Find the SSDI Payment Calendar?

The SSA publishes an official payment schedule each year. You can:

• Visit www.ssa.gov and view the direct deposit calendar
• Log in to your my Social Security account to see upcoming payment dates
• Call the SSA at 1-800-772-1213 (TTY 1-800-325-0778) to ask about your specific payment schedule

3. How to Check If Your Payment Has Been Deposited

To confirm whether your payment has been issued:

• Log in to your bank account online or call your bank to check deposits
• Use your my Social Security account to check payment status and history
• Contact the SSA if your payment is late by more than three business days after the scheduled date

4. Common Reasons for Delayed SSDI Payments

If your SSDI payment does not arrive on the expected date, common reasons include:

• Bank account changes not updated with SSA
• Address changes delaying mailed checks
• Federal holidays falling on payment dates (payments are issued the business day before in these cases)
• Temporary technical issues with your bank or the SSA payment system

Always ensure your personal information is current with SSA to avoid delays.

5. How to Set Up or Change Direct Deposit

Using direct deposit is the fastest and most secure way to receive your SSDI payments. To set up or change your direct deposit:

• Log in to your my Social Security account and navigate to “Direct Deposit” under account settings
• Call SSA directly at 1-800-772-1213
• Visit your local SSA office with your bank routing and account numbers

6. What to Do If Your Payment Is Missing

If your payment has not arrived after three business days:

• Check your bank account first to confirm the deposit was not overlooked
• Review your my Social Security account for any notices or updates
• Call SSA immediately to report the missing payment so they can trace and resolve the issue

7. Staying Organized with Payment Dates

To better manage your finances:

• Mark your payment dates on a calendar each month
• Set reminders in your phone for the day before and day of expected deposits
• Keep an emergency fund if possible in case of unexpected delays