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When to anticipate your Social Security checks

I’m planning to retire and apply for my Social Security advantages in July. When can I anticipate my first verify,…

By Staff , in Social Security , at April 24, 2022


I’m planning to retire and apply for my Social Security advantages in July. When can I anticipate my first verify, and is direct deposit my solely choice for receiving my month-to-month fee?

Nearly 62  

Pricey Nearly,

Typically, Social Security retirement advantages, in addition to incapacity and survivor advantages, are paid within the month after the month they’re due. So, if you wish to begin receiving your Social Security advantages in July, your July advantages shall be distributed in August.

The day of the month you obtain your profit fee, nevertheless, will rely in your birthdate. Right here’s the schedule of when you’ll be able to anticipate to obtain your month-to-month verify.


In the event you have been born on the:

  • 1st via the tenth: Anticipate your verify to be deposited on the second Wednesday of every month.
  • eleventh via the twentieth: Anticipate your verify to be deposited on the third Wednesday of every month.
  • twenty first via the thirty first: Anticipate your verify to be deposited on the fourth Wednesday of every month.

There are, nevertheless, a couple of exceptions to this schedule. For instance, if the day your Social Security verify is meant to be deposited occurs to be a vacation, your verify shall be deposited the day prior to this. And, in case you are receiving each Social Security advantages and SSI funds, your Social Security verify shall be deposited on the third day of the month.

You also needs to know that for Social Security beneficiaries who began receiving advantages earlier than 1997, their Social Security checks are paid on the third day of the month.

To get an entire schedule of 2022 fee dates, go to SSA.gov/pubs/EN-05-10031-2022.pdf.

Receiving Choices

There are two methods you’ll be able to obtain your Social Security advantages. Most beneficiaries select direct deposit into their financial institution or credit score union account as a result of it’s easy, secure and safe. However when you don’t need this feature, otherwise you don’t have a checking account that your funds may be deposited into, you may get a Direct Categorical Debit MasterCard and have your advantages deposited into your card’s account.

This card can then be used to get money from ATMs, banks or credit score union tellers, pay payments on-line and over the telephone, make purchases at shops or areas that settle for Debit MasterCard and get money again while you make these purchases, and buy cash orders on the U.S. Publish Workplace. The cash you spend or withdraw is mechanically deducted out of your account. And you may verify your stability any time by telephone, on-line or at ATMs. 

There’s additionally no value to enroll in the cardboard, no month-to-month charges and no overdraft fees. There are, nevertheless, some small charges for elective companies you want to pay attention to, like a number of ATM withdrawals. At the moment, cardholders get one free ATM withdrawal monthly, however extra month-to-month withdrawals value 85 cents every not together with a surcharge when you use a non-network ATM. To study extra, go to USDirectExpress.com or name 800-333-1795.

When and The best way to Apply

The Social Security Administration recommends that you simply apply for advantages three months earlier than you need to begin receiving checks. This offers you sufficient time to ensure you have all of the wanted info to finish the applying. See SSA.gov/hlp/isba/10/isba-checklist.pdf for a guidelines of what you’ll want.

You’ll be able to apply in your Social Security advantages on-line at SSA.gov, by telephone at 800-772-1213, or in individual at your native Social Security workplace – name first to make an appointment.

Ship your senior inquiries to: Savvy Senior, P.O. Field 5443, Norman, OK 73070, or go to SavvySenior.org. Jim Miller is a contributor to the NBC At this time present and writer of “The Savvy Senior” ebook.



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