Savvy Senior: When can you expect your Social Security checks
Savvy Senior: When can you expect your Social Security checks

Savvy Senior: When can you expect your Social Security checks

Dear Savvy Senior,
I plan to retire and apply for my social benefits in July. When can I expect my first check, and is direct deposit my only option to receive my monthly payment?
Almost 62

Dear almost,

In general, social security benefits as well as disability and survivors’ benefits are paid in the month following the month in which they fall due. So if you want to start receiving your social benefits in July, your July benefits will be distributed in August.

However, the day of the month in which you receive your unemployment benefit depends on your date of birth. Here is the schedule for when you can expect to receive your monthly check.

If you were born on:

  • 1st through the 10th: Expect your check to be paid on the second Wednesday of each month.
  • 11th through the 20th: Expect your check to be paid on the third Wednesday of each month.
  • 21st through 31st: Expect your check to be paid on the fourth Wednesday of each month.

However, there are a few exceptions to this schedule. For example, if the day your Social Security check is to be deposited happens to be a public holiday, your check will be deposited the previous day. And if you receive both social benefits and SSI payments, your Social Security check will be deposited on the third day of the month.

You should also know that for social security beneficiaries who started receiving benefits before 1997, their social security check is paid on the third day of the month.


Reception options

There are two ways you can receive your social benefits. Most recipients choose direct deposit to their bank or credit union account because it is simple, secure and secure. However, if you do not want this option or you do not have a bank account to which your payments can be deposited, you can get a Direct Express Debit MasterCard and have your benefits deposited into your card account.

This card can then be used to get cash from ATMs, banks or credit unions, pay bills online and over the phone, make purchases at stores or places that accept Debit MasterCard and get money back when you make these purchases, and buy money orders on it US Post Office. The money you spend or withdraw is automatically deducted from your account. And you can check your balance at any time by phone, online or at ATMs.

There are also no costs to sign up for the card, no monthly fees and no overdraft fees. However, there are some small fees for optional services that you need to be aware of, e.g. multiple withdrawals at ATMs. Currently, cardholders receive one free withdrawal of ATMs per month, but additional monthly withdrawals cost 85 øre per. pcs., not including a surcharge if you use an ATM without a network. To learn more, visit or call (800) 333-1795.

When and how to apply

The Danish Social Insurance Agency recommends that you apply for unemployment benefits three months before you want to start receiving checks. This will give you enough time to ensure that you have all the necessary information to complete the application. See for a checklist of what to use.

You can apply for your social benefits online at SSA.govby phone at (800) 772-1213 or in person at your local social security office (call first to make an appointment).

Send your senior questions to: Savvy Senior, PO Box 5443, Norman, OK 73070, or visit Jim Miller is a contributor to NBC Today show and author of “The knowledgeable senior” Order.

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