When Should You Expect SSDI Payments?

SSDI payments are typically made based on your birthday:

• 1st–10th of the month: Payment is sent on the second Wednesday
• 11th–20th: Payment is sent on the third Wednesday
• 21st–31st: Payment is sent on the fourth Wednesday

If your payment doesn’t show up on that day, it may be considered late. However, delays sometimes occur due to holidays, banking issues, or SSA processing problems.

Common Reasons for SSDI Payment Delays

Late payments can happen for a variety of reasons, including:

• Bank account changes: If you recently switched bank accounts and didn’t update your direct deposit details with the SSA.
• Mailing issues: If you receive checks by mail and there’s a postal delay or lost check.
• Technical errors: Issues with the SSA’s payment system or the Treasury Department.
• Eligibility reviews: If your case is under a continuing disability review or flagged for verification.
• Fraud investigations or identity issues: If your Social Security number or account is flagged for suspicious activity.

Steps to Take If Your SSDI Payment Is Late

Here’s what you can do if your SSDI payment hasn’t arrived on schedule:

1. Wait one full business day: Sometimes payments are delayed due to weekends or bank processing delays. Wait at least 24 hours before taking action.
2. Check your bank account or mail: Confirm that the payment hasn’t arrived through either method.
3. Contact your bank: Ask if a deposit is pending or was rejected for any reason.
4. Call the SSA: If your payment still hasn't arrived, contact the Social Security Administration at 1-800-772-1213 (or your local SSA field office in Washington). Representatives can help you determine the cause of the delay and start a trace if needed.
5. Update account details: If your bank information has changed, you must update it through your My Social Security account or by contacting the SSA directly.
6. Report non-receipt: If the payment is deemed lost or stolen, SSA may reissue the payment after conducting a trace.

Avoiding Future SSDI Delays

To prevent payment issues in the future:

• Use direct deposit instead of mailed checks whenever possible.
• Keep your banking and mailing information current with SSA.
• Monitor your My Social Security account to track upcoming payments.
• Notify SSA of any address changes, even temporary moves.