SSA Paper Checks Continue: 3 Groups Still Eligible After Sept. 15

As society shifts towards digital platforms, the Social Security Administration (SSA) is also embracing this change. Tasked with supporting millions of beneficiaries, the SSA efficiently manages the distribution of numerous payments each month. While the era of physical checks is phasing out, transitioning to online direct payments, certain groups will continue to receive paper checks.

Efficient Payment Management for Millions

Every month, the SSA is responsible for the timely payment of approximately 70 million beneficiaries. To avoid logistical challenges and ensure punctuality, payments are staggered throughout the month based on several criteria.

The regular payment schedule followed by the SSA each month includes:

• Second Wednesday of the month: Birth dates from the 1st to the 10th.
• Third Wednesday of the month: Birth dates from the 11th to the 20th.
• Fourth Wednesday of the month: Birth dates from the 21st to the 31st.

This schedule applies to beneficiaries receiving either Retirement or Disability benefits. However, those receiving Supplemental Security Income (SSI) are paid on the first of each month, regardless of their birth date. If you receive both SSI and retirement benefits, your retirement benefits will be paid on the third of the month, and if your Retirement benefits started before May 1997, you are also paid on the third of each month.

Continued Issuance of Physical Checks to Specific Beneficiaries

The SSA announced plans to stop issuing paper checks by September 2025, following a directive from the U.S. Treasury and SSA to make all payments electronic. This move aims to streamline payment processes and adapt to the ongoing digital transformation in financial transactions.

Nevertheless, some beneficiaries will still receive physical checks due to challenges in adopting digital payments. These exceptions include:

• Beneficiaries aged 90 or older
• Individuals with mental impairments or disabilities
• Residents of remote geographic locations with limited financial services

Significant Forthcoming Changes for SSA Beneficiaries

Alongside the digital transition, SSA beneficiaries should also prepare for the upcoming announcement regarding the cost-of-living adjustment (COLA). This adjustment will determine the increase in monthly payments to counteract inflation and maintain purchasing power.

The upcoming COLA, expected to be revealed on October 15, is projected to be similar to last year’s increase, between 2.5% and 2.7%. Additionally, due to the scheduling of dates, SSI beneficiaries will receive their November benefits at the end of October, as November 1 falls on a weekend.

Disclaimer: This content is for informational purposes only and should not be considered a substitute for official publications from the SSA or IRS. Verify all specific details by visiting SSA.gov or IRS.gov, or by contacting your local SSA office or tax professional.