The October 2025 Social Security payment schedule is now confirmed, and it’s an important month for beneficiaries because it includes two SSI deposits.
This guide clearly lists the exact deposit dates for SSI, SSDI, and retirement benefits, explains who gets paid on the 3rd of the month, and how the Wednesday birth-date schedule works for everyone who filed on or after May 1997.
You’ll also learn why November’s SSI arrives early on October 31 (since November 1 is a Saturday), what to expect if you receive both SSI and Social Security, and simple steps to avoid delays.
Key Dates At A Glance
- SSI (October benefit): Wednesday, October 1, 2025
- Social Security (filed before May 1997 or receiving both SSI & SSA): Friday, October 3, 2025
- Social Security by birth date (retirement/SSDI):
- Birthdays 1–10: Wednesday, October 8, 2025
- Birthdays 11–20: Wednesday, October 15, 2025
- Birthdays 21–31: Wednesday, October 22, 2025
- SSI (November benefit paid early): Friday, October 31, 2025 (because Nov 1 is a Saturday)
October 2025 Payment Calendar
| Program / Cycle | Who Gets Paid | Deposit Date | What To Know |
|---|---|---|---|
| SSI (October) | All SSI recipients | Wed, Oct 1, 2025 | Regular monthly SSI deposit. |
| Social Security – 3rd Of Month | Filed before May 1997 or receive both SSI & SSA | Fri, Oct 3, 2025 | Legacy pay group on the 3rd. |
| SSA – 2nd Wednesday | Birthdays 1–10 | Wed, Oct 8, 2025 | Retirement/SSDI on birth-date cycle. |
| SSA – 3rd Wednesday | Birthdays 11–20 | Wed, Oct 15, 2025 | Standard mid-month cycle. |
| SSA – 4th Wednesday | Birthdays 21–31 | Wed, Oct 22, 2025 | End-of-month cycle. |
| SSI (November, Paid Early) | All SSI recipients | Fri, Oct 31, 2025 | Early payment for Nov 1 (Saturday). |
Why Two SSI Deposits In October?
SSI normally pays on the 1st of each month. When the 1st lands on a weekend or federal holiday, SSI issues payment on the previous business day.
Because November 1, 2025 is a Saturday, November’s SSI arrives Friday, October 31, in addition to the regular October 1 deposit.
Who Gets Paid On The 3rd?
If you started Social Security before May 1997 or you receive both SSI and Social Security, your Social Security benefit is paid on the 3rd of the month.
In October 2025, that date is Friday, October 3. If you’re dual-entitled (both SSI and SSA), you’ll typically see SSI on Oct 1 and SSA on Oct 3.
Wednesday Birth-Date Schedule Explained
Most retirement and SSDI beneficiaries who filed on or after May 1997 are paid by birth-date on the 2nd, 3rd, or 4th Wednesday:
- 1st–10th: October 8, 2025
- 11th–20th: October 15, 2025
- 21st–31st: October 22, 2025
There is a fifth Wednesday on October 29, but no regular SSA cycle pays on a fifth Wednesday.
Holiday Impact In October
Columbus Day/Indigenous Peoples’ Day is Monday, October 13, 2025. It does not affect the October schedule above (all listed payments are on Wednesdays or Fridays).
Direct deposit should post as scheduled; paper checks may vary with normal mail timing.
Tips To Avoid Delays
- Choose direct deposit or the Direct Express card for fastest access.
- If a paper check hasn’t arrived, allow three mailing days before reporting it missing.
- Track your benefit and update details in my Social Security to prevent processing holdups.
The October 2025 Social Security payment schedule is straightforward: SSI on Oct 1 and Oct 31, legacy SSA on Oct 3, and the Wednesday birth-date cycles on Oct 8, Oct 15, and Oct 22.
Plan bills and budgeting around these confirmed dates, consider direct deposit for speed, and use my Social Security to keep your information current so your benefits reach you on time every month.
FAQs
Why are there two SSI payments in October 2025?
Because November 1, 2025 is a Saturday, November’s SSI is paid early on Friday, October 31, in addition to the regular October 1 SSI payment.
I started benefits before May 1997—when is my payment?
You’re in the 3rd-of-the-month group, so your Social Security benefit pays on Friday, October 3, 2025.
What if my deposit doesn’t show up on the date listed?
For direct deposit, it usually posts the same day; check with your bank if it’s late. For paper checks, wait three mailing days before contacting Social Security.