With Donald Trump’s new approach to international tariffs expected to increase everyday costs for the American people, SS benefits are even more important for some.
If you’re among the millions of Americans relying on Social Security, you might be wondering when your next check will arrive and how much it will be. The Social Security Administration (SSA) has a staggered payment schedule, primarily determined by your birth date.
Understanding the payment schedule
For those who began receiving benefits after May 1997, the SSA distributes payments on Wednesdays, based on the day of the month you were born:
- Born between the 1st and 10th: Payment on the second Wednesday of the month.
- Born between the 11th and 20th: Payment on the third Wednesday.
- Born between the 21st and 31st: Payment on the fourth Wednesday.
In February 2025, the second Wednesday falls on the 12th. Therefore, if your birthday is between the 1st and 10th of any month, you can expect your payment on Wednesday, February 12.
Average benefit amounts
The average monthly Social Security benefit for retired workers is approximately $1,976 in 2025. This amount can vary based on your earnings history and the age at which you began receiving benefits. Some recipients may receive more, especially if they delayed retirement to increase their benefit amount.
Factors influencing your benefit
Several elements determine your specific benefit amount:
- Earnings Record: Your lifetime earnings play a significant role. Higher lifetime earnings typically result in higher benefits.
- Retirement Age: Claiming benefits at full retirement age (which varies depending on your birth year) ensures you receive your full benefit. Claiming earlier can reduce your monthly amount, while delaying can increase it.
- Cost-of-Living Adjustments (COLA): Benefits are adjusted annually to account for inflation. In 2025, there was a 2.5% COLA increase.
Are you receiving $2,000 on February 12?
Well, hopefully that’s all clear. If your birth date falls between the 1st and 10th of any month, you’re slated to receive your Social Security payment on Wednesday, February 12. As for the amount, if your calculated benefit is around $2,000, that’s what you’ll see deposited. Keep in mind, the exact figure depends on your individual earnings history and the age at which you began claiming benefits.
By Calum Roche – As USA