October is here, and along with crisp weather and seasonal traditions, it’s also bringing an important update from the Social Security Administration (SSA).

This week, certain beneficiaries will see two separate payments arrive—something that doesn’t happen every month.

For millions of Americans, Social Security is more than a check; it’s a key part of household stability.


That’s why it’s worth noting who’s getting paid now, when the rest of the deposits will arrive, and what’s coming next.

Consider this your reminder to stay on top of this month’s schedule.

Why this matters​

Social Security supports more than 74 million Americans, from retirees to people with disabilities and survivors of deceased workers.

Because so many depend on it, even slight changes to the payment schedule can feel significant.

This week is one of those times when the calendar delivers a little extra.

Also read: What Social Security really looks like at 72 in 2025​

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Who is getting paid this week​

Here’s the reminder for October’s early payments:

• October 1: Supplemental Security Income (SSI) recipients received their monthly benefit.
• October 3: Long-term beneficiaries who began receiving Social Security before 1997, as well as people who get both Social Security and SSI (including spousal and survivor benefits), will see their payment.

If you’re in these groups, your deposit should already be in motion.

If it hasn’t arrived yet, the SSA recommends waiting at least three business days before reporting a delay.

Also read: Social Security checks stay safe: Here’s what a government shutdown really means for seniors​

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When the rest of October’s payments will arrive​

For everyone else, here’s when to expect deposits based on your birthday:

• October 8: Birthdays between the 1st and 10th
• October 15: Birthdays between the 11th and 20th
• October 22: Birthdays between the 21st and 31st

Mark these dates if you haven’t yet seen your October payment.

Also read: A Social Security case from New Jersey is raising eyebrows—here’s what happened​

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How much you might see​

Benefit amounts vary by person. As of July 2025, the average monthly retirement check was $2,006.69, but there are higher and lower ranges:

• Maximum at age 67 (full retirement age): $4,018
• Maximum if claimed at 62: $2,831
• Maximum if delayed to 70: $5,108

For SSI, the average monthly benefit is $718.30.

Also read: Can you really live on Social Security alone? These 10 states say yes​

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A COLA announcement is coming soon​

Don’t forget—October is also when the SSA announces the annual Cost-of-Living Adjustment (COLA).

This adjustment ensures benefits keep up with inflation and will apply to all programs: retirement, spousal, survivor, disability, and SSI.

The finalized 2026 COLA will take effect with January’s payment, so watch for the official update later this month.

Also read: You may get more in 2026—Social Security COLA estimate sees unexpected lift​

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Tips to keep in mind​

• Review your direct deposit info if you’ve recently changed banks or moved.
• Be alert for scams. The SSA will never ask for money or personal details by phone.
• Allow for short delays due to weekends, holidays, or bank processing.

This week’s double payment underscores just how central Social Security is for millions of Americans.

Keeping track of the calendar helps avoid confusion and ensures peace of mind.

With another COLA announcement just ahead, October is a good time to stay informed and prepared for the year to come.

Read next:

• A 2.8% Social Security COLA is on the horizon for 2026—but will it keep up with Medicare’s rising costs?
• Three surprising ways your Social Security benefits could be reduced or stopped
• New survey reveals how devastating Social Security cuts would be for most seniors

Have you noticed your payment arrive this week, or are you still waiting for your scheduled date later in October? Share your experience with the community—we’d love to hear how Social Security fits into your monthly planning.