"October 2022 Direct Deposit dates for Social Security"

Social Security Payment Schedule for October 2022

If you are looking for the Social Security Payment Schedule for October 2022 look no further. We can help you. Social Security pays benefits in the month following the month for which they are due. For example, the July benefit is paid in August.

For those on Social Security retirement benefits or disability (SSDI or SSI), knowing when your payments will be deposited each month is crucial.

That’s because, for a majority, the monthly Social Security benefit is the main source of income.

Knowing the payment date helps you plan ahead and ensure that your bills are paid on time.

In addition, if you know when the payment will be deposited and available, you can plan for cash withdrawals from your account.

In the post below, we have explained in detail how the Social Security Payment Schedule works and provide you with the specific dates on which your December benefit payments will be deposited into your account.

"Social Security Payment Schedule for October 2022"

This Post will Cover:

  • No More Paper Checks for Social Security Benefits
  • How Social Security Payment Calendar Works
  • Social Security Payment Schedule for October 2022
  • Complete 2022 Social Security Payments Schedule
  • What To Do If You Don’t Recieve Your Benefits
  • Social Security Benefits Questions and Answers

No More Paper Checks for Social Security Benefits

Since 1935, the Social Security Administration (SSA) has mailed paper checks to Social Security beneficiaries.

However, that ended in May 2011.

That’s because Congress passed a law that required all recipients of payments from federal benefits programs to sign up for electronic payments.

Since then, all new recipients of Social Security and Supplemental Security Income disability have been required to sign up for electronic payments.

In addition, existing recipients of Social Security and SSI had to comply with the new requirements by March 1, 2013.

As a result, the SSA no longer mail paper checks for Social Security benefits, including disability payments.

How Social Security Payment Schedule Works

If you are receiving Social Security Retirement or Social Security Disability Insurance benefits (SSDI), your payment date depends on your birth date.

In addition, If you are receiving payments on the record of a retired, disabled, or deceased worker (for example, spousal or survivor benefits), that person’s birthday sets the schedule.

Here’s how the Social Security Payment schedule works for those who receive Social Security retirement benefits or SSDI:

  • If your birthday is in the first 10 days of the month, then you’ll receive your benefits payments on the second Wednesday of each month.
  • For those with birthdays between the 11th and the 20th, benefit payments are deposited on the third Wednesday of the month.
  • Payments are made on the fourth Wednesday of the month for those with birthdays on the 21st or later.

Here is a table that better displays how the payment schedule works:

BIRTHDAY PAYMENT DATE
1st – 10th Second Wednesday
11th – 20th Third Wednesday
21st – 31st Fourth Wednesday

Now that you understand how the payment schedule works, it’s time to review the 2022 payment calendar as released by the SSA.

Exception

If you’ve been receiving Social Security benefits prior to May 1997 or you get both Social Security and SSI payments, here’s what you need to know:

Your payments will be made on the 3rd of each month. If the 3rd falls on a weekend or holiday, payment will be made on the preceding Friday.

Here is the complete SSI payment schedule for 2022.

First, we have first listed dates for those only receiving SSI benefits.

Next, we have provided dates for those receiving both Social Security retirement benefits and SSI.

Social Security Payment Schedule for October 2022

Here is when to expect your Social Security payment for October 2022:

Social Security and Social Security Disability Insurance (SS and SSDI)

For those receiving Social Security Retirement Benefits or Disability Benefits, here is your payment schedule for October:

  • If your birth date falls on the 1st – 10th day of the month, benefits are paid on October 12th.
  • Also, if your birth date falls on the 11th – 20th day of the month, benefits are paid on October 19th.
  • If your birth date falls on the 21st – 31st day of the month, benefits are paid on October 26th.

Supplemental Security Income (SSI) Payment Schedule

If you receive Supplemental Security Income (SSI), you will receive your payments on the 1st of each month.

The exception is when the 1st falls on a weekend or holiday.

If the first falls on a holiday, then you will receive your payment the business day before.

However, if the first falls on a weekend, you’ll receive your payment on the preceding Friday.

October 2022 SSI Payment Schedule

Since October 1st, 2022 falls on a Saturday, SSI payments for the month will be deposited on Friday, September 30th, 2022.

If you receive your payment via a bank account or a prepaid debit card like the Direct Express Debit card, you should see your benefits in your account on or before Friday, September 30th, 2022.

Both SS and SSI Recipients

Since October 3, 2022, falls on a Monday, you will receive your benefits on Monday, October 3rd, 2022.

The Complete 2022 Social Security Payment Schedule

Here is a simplified version of the 2022 Social Security Payment Calendar for Social Security retirement benefits and SSDI beneficiaries.

If your birthday falls between the 1st and 10th:

  • January 12
  • February 9
  • March 9
  • April 13
  • May 11
  • June 8
  • July 13
  • August 10
  • September 14
  • October 12
  • November 9
  • December 14

Next, if your birthday falls between the 11th and 20th:

  • January 19
  • February 16
  • March 16
  • April 20
  • May 18
  • June 15
  • July 20
  • August 17
  • September 21
  • October 19
  • November 16
  • December 21

If your birthday falls between the 21st and 31st:

  • January 26
  • February 23
  • March 23
  • April 27
  • May 25
  • June 22
  • July 27
  • August 24
  • September 28
  • October 26
  • November 23
  • December 28

Supplemental Security Income (SSI) Payment Schedule for 2022

For SSI recipients, benefits will arrive on the first of the month.

However, if the 1st of the month falls on a Saturday, Sunday, or a federal holiday, you will be paid on the business day before then.

For example, if the 1st of the month falls on a Saturday, you’ll receive your benefits the Friday before.

2022 SSI Both SS & SSI
January 31-Dec-2021 3
February 1 3
March 1 3
April 1 1
May 29-Apr-2022 3
June 1 3
July 1 1
August 1 3
September 1 2
October 30-Sep-2022 3
November 1 3
December 1 2

What To Do If You Don’t Recieve Your Benefits

If you do not receive your payment on your specified day or date, the Social Security Administration asks that you wait three mailing days before contacting them.

You can contact Social Security at 1-800-772-1213.

See the Septemberer 2022 Social Security Payment Schedule.

Social Security Benefits Questions and Answers

Here is the summary of the most frequently asked Social Security Benefits Questions and Answers.

Do Seniors on Social Security Qualify for Food Stamps?

The short answer is Yes!

For many seniors, their Social Security benefits represent a significant source of their monthly income.

However, that is not always enough to meet their needs, including buying enough food for the month.

According to the Social Security Administration, these are the average Social Security benefits in 2021:

  • $1,543 per month for retired workers.
  • $801 per month for spouses of retired workers.
  • $1,455 for older widows or widowers receiving survivor benefits.

If the average retiree is getting $1,543 a month in social security benefits, it means they are they will have to live on $18,516 per year.

If there is no income from other sources, making ends meet becomes a challenge for some seniors.

According to NCOA, In 2016, nearly 8.6 million older Americans faced the threat of hunger, representing 13.6% of adults aged 60+ in the U.S.

I am a widow. Can I Collect Social Security?

Yes. A widow or widower can receive up to 100% of a spouse’s benefit amount.

However, to get 100% of a spouse’s benefit amount, the survivor must have reached full retirement age at the time of the application.

If they have not reached full retirement age, then the payment is reduced to somewhere between 71% and 99% of the deceased’s entitlement if the widowed person is at least 60 but under full retirement age.8

There is an exception to this rule for disabled people.

Disabled widowed spouses can apply as early as age 50.

Can you collect Social Security at 66 and still work?

Yes. You can work while you receive Social Security retirement or survivors benefits.

When you reach your full retirement age, you can work and earn as much as you want and still get your full Social Security benefit payment.

However, if you start collecting benefits before your full retirement age, say at age 62, and if your earnings exceed the earnings limit, some of your benefit payments during the year will be withheld.

When you reach full retirement age, Social Security will pay you a higher monthly benefit.

Note that if you turn 62 in 2022, your full retirement age is 67.

How do I unlock my Social Security account?

Have you been locked out of your Social Security account? Here’s why:

You – or perhaps someone else – entered inconsistent or incorrect login information, which prompted the Social Security Administration to lock your account.

This is done to protect your information from potentially fraudulent or unauthorized access.

If you are locked out of your Social Security account, you can call the Social Security Help Desk.

You can reach them at 1-800-772-1213 from Monday through Friday between the hours of 8 a.m. and 7 p.m. ET.

Can I get my SSI Benefits on a Direct Express Card?

Yes. If you’ve been approved for Supplemental Security Income (SSI) benefits, you will be required to receive your monthly benefits electronically.

You have two options to get your monthly benefits – by direct deposit into a bank account or via the Direct Express Debit Card.

When you choose to get your Supplemental Security Income benefits by direct deposit, the Social Security Administration will electronically deposit your funds directly into the checking account, savings account, or Direct Express card.

If you decide to get your benefit by a Direct Express card, remember that there are no enrollment fees or minimum balance requirements to open or use the account.

There are 3 ways to enroll in direct deposit of Social Security and other government benefits:

  • Visit the U.S. Department of the Treasury website to sign up for Direct Deposit for federal benefits.
    Call the U.S. Department of the Treasury at 800.333.1795.
    Schedule an appointment at your nearest Social Security office and they be happy to assist you.

Can I get a payday loan with a Direct Express card?

If you are currently getting your Social Security benefits or disability benefits (SSI or SSDI) on your Direct Express card and need a payday loan, keep reading.

If you collect benefits from the Social Security Administration (SSA) and can verify your payments, you’re typically eligible for a payday loan.

This includes beneficiaries who receive their payments through the Direct Expres debit card.

Furthermore, many payday lenders welcome Social Security beneficiaries because, unlike part-time workers, their payments are stable and reliable.

Payday loans are attractive to Social Security beneficiaries because the loans are fast and easy to get.

Social Security Payment Schedule for October Summary

Here’s the bottom line:

If you receive Social Security retirement benefits or SSDI, then your benefits will be paid based on your birthdate.

SSI (Supplemental Security Income) payments are issued on the first of every month.

For October 2022:

Social Security and SSDI payments will be made using the schedule below:

  • on October 12th if your birth date falls on the 1st – 10th day of the month.
  • If your birth date falls on the 11th – 20th day of the month, you will get your deposit on October 19th.
  • Finally, if your birth date falls on the 21st – 31st day of the month, your benefits will be paid on October 26th.

For SSI recipients:
October 1st, 2022 falls on a Saturday, SSI payments for the month will be deposited on Friday, September 30th, 2022.

Both SS and SSI Recipients

Also, since October 3, 2022, is on a Monday, you will receive your benefits on Monday, October 1st, 2022.

Questions?

If you still have questions, you should leave a comment below.

However, what may be an even greater help is to join our FREE Facebook members group about Making Sense of Social Security Benefits.

It’s a very active group with some really smart people who love to answer any questions you may have about Social Security Benefits.

Also, from time to time, our team of editors drop in to contribute and answer questions.

Finally, be sure to check out our other articles about Social Security and Disability Benefits, including:

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