1. How Are SSDI Payment Dates Determined?

SSDI payment dates are generally determined by your birth date. The Social Security Administration (SSA) follows this schedule:

• Birth date falls on the 1st – 10th: Payment is deposited on the second Wednesday of each month
• Birth date falls on the 11th – 20th: Payment is deposited on the third Wednesday of each month
• Birth date falls on the 21st – 31st: Payment is deposited on the fourth Wednesday of each month

If your SSDI benefits started before May 1997, you typically receive payment on the 3rd of each month, regardless of birth date.

2. How to Check Your SSDI Payment Date

a. Online via My Social Security Account

The easiest way to check your upcoming payment date is by creating a My Social Security account at ssa.gov/myaccount. After logging in, you can:

• View your payment history
• See the next scheduled payment date and amount
• Update direct deposit information to avoid delays

Creating an account requires identity verification, including your Social Security number, personal details, and sometimes an additional verification code.

b. Call the SSA Directly

If you prefer phone assistance, call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778). Representatives can:

• Confirm your payment date
• Check whether your payment has been sent
• Provide guidance on what to do if your payment is delayed

Office hours are Monday through Friday, 8 a.m. to 7 p.m. local time.

c. Review Your Bank Statements

Most SSDI payments are direct deposited. You can check your:

• Online bank account or mobile banking app to see if the deposit has arrived
• Previous months’ deposit dates to predict future payment dates if your birth date does not change the schedule

3. What If Your SSDI Payment Is Late?

If your payment does not arrive on the expected date:

1. Wait at least three business days before reporting a missed payment, as delays may occur due to bank processing times or federal holidays
2. If it is still missing after three business days, contact SSA to initiate a payment trace
3. Confirm your bank account information is correct in SSA’s system to avoid future issues

4. Federal Holiday Payment Adjustments

If your scheduled payment date falls on a federal holiday, your payment will generally be deposited on the business day before the holiday. For example:

• If payment is scheduled for Wednesday but Tuesday is a federal holiday, you may receive it on Monday or Wednesday depending on SSA processing.

5. Tips for Managing SSDI Payments in Oklahoma

• Sign up for direct deposit to receive payments faster and securely
• Mark your payment dates on a calendar to plan monthly bills and expenses
• Regularly monitor your My Social Security account for notices or updates regarding payments
• Keep SSA informed of any changes in your bank account or address to avoid disruptions