Natalia
If you’re waiting for the last Social Security Disability Insurance (SSDI) payment of September 2025, here’s the quick answer: the final round lands on Wednesday, September 24, 2025.
That’s the fourth Wednesday of the month and it’s when many beneficiaries—specifically those whose birthdays fall on the 21st–31st—see their deposit.
Depending on when you’re reading this, that may be next week for you.
Below, you’ll find a clean, step-by-step guide to the September 2025 payment schedule, who is included in each wave, how much you may receive in 2025, and what to do if your payment doesn’t arrive on time.
We also cover special notes about SSI timing, direct deposit vs. mailed checks, and working-while-disabled rules that can affect your benefits.
Quick recap: How SSDI payment timing works
SSDI benefits generally follow a three-Wednesday rotation tied to your (or the primary record holder’s) birth date:
- Second Wednesday: birthdays 1st–10th
- Third Wednesday: birthdays 11th–20th
- Fourth Wednesday: birthdays 21st–31st
Separately, people who started receiving Social Security before May 1997, and people who receive both SSI and Social Security, are typically paid on the 3rd of the month.
SSI payments occur on the 1st of the month (or the prior business day if the 1st is a weekend/holiday).
September 2025: The exact dates you need
Here’s the full September 2025 layout:
- SSI (September benefit): Issued Friday, August 29, 2025, because September 1 is Labor Day (federal holiday). That means most SSI recipients won’t receive a payment in September.
- Wednesday, September 3, 2025: Payment for those who began benefits before May 1997 and for concurrent SSI + Social Security recipients.
- Wednesday, September 10, 2025: Second Wednesday group — birthdays 1st–10th.
- Wednesday, September 17, 2025: Third Wednesday group — birthdays 11th–20th.
- Wednesday, September 24, 2025: Fourth Wednesday group — birthdays 21st–31st (final SSDI payment for the month).
Why this matters: Knowing which Wednesday is yours helps you plan bills, avoid overdrafts, and quickly spot a late or missing payment.
September 2025 SSDI & SSI Payment Map (at a glance)
| Beneficiary group | September 2025 date | How your day is decided | Notes |
|---|---|---|---|
| SSI (federal portion) | Fri, Aug 29 | SSI pays on the 1st; holiday shifts it earlier | No SSI on Sept. 1 due to Labor Day; paid the prior business day |
| SSDI before May 1997 or concurrent SSI + Social Security | Wed, Sept 3 | Long-standing rule: paid on the 3rd | Applies even if your birthday is later in the month |
| SSDI — birthdays 1st–10th | Wed, Sept 10 | Second Wednesday group | Direct deposit usually posts the same day |
| SSDI — birthdays 11th–20th | Wed, Sept 17 | Third Wednesday group | Check your bank’s posting time |
| SSDI — birthdays 21st–31st | Wed, Sept 24 | Fourth Wednesday group | Final SSDI payment for September |
Rules summarized from the official schedule and standard SSA payment policies.
“Final payment next week”: Who exactly gets it?
If your birthday is on the 21st–31st, you’re in the fourth-Wednesday cohort. In September 2025, that date is Wednesday, September 24.
That is the final SSDI disbursement for the month. If you’re reading this just before that week, then yes—your final September SSDI payment is arriving next week.
How much will I get in September 2025?
Your SSDI amount depends on your earnings history (your Average Indexed Monthly Earnings and Primary Insurance Amount). In 2025, two systemwide facts are helpful:
- There was a 2.5% COLA increase effective with benefits payable in January 2025. If you were already receiving SSDI at that time, your monthly amount reflects this increase.
- In early 2025, SSA data showed the average disabled-worker benefit hovering around $1,581 per month (the number varies over the year). Your actual benefit can be higher or lower based on your record.
Key takeaway: Benefit amounts are individualized. Two people paid on the same day can receive very different figures.
Direct deposit vs. mailed check: When will it show up?
- Direct deposit: Most beneficiaries use direct deposit. Funds typically appear on your scheduled date, though exact posting times vary by bank or credit union.
- Mailed checks: If you still receive a paper check, mail time can add days. SSA also advises allowing three extra mailing days before contacting them about a missing check.
You can view your personalized benefit payment schedule inside your online account to confirm the exact upcoming date(s).
Late or missing payment? Do this in order
- Wait a bit on the day: Banks post at different times. If it’s your date but the deposit isn’t visible by morning, give it until the end of the day.
- Check your bank/credit union: Verify no holds or posting delays on their side.
- Paper check? Allow three additional mailing days beyond your date.
- Confirm your date online: Make sure you’re looking at the right Wednesday group for your birthday (or the 3rd of the month if you’re pre-May 1997 or concurrent).
- Contact SSA if the window has passed. They can trace payments and update direct deposit details if needed.
Why SSI hit in August instead of September
Because September 1, 2025 is Labor Day, the September SSI benefit was paid early on Friday, August 29, 2025.
This is a normal calendar adjustment—whenever the 1st is a federal holiday or weekend, the SSI payment advances to the prior business day.
Working while on SSDI: 2025 thresholds to remember
If you’re attempting to work while receiving SSDI, SSA uses Substantial Gainful Activity (SGA) thresholds to decide whether your earnings suggest you’re engaging in work at a substantial level:
- Non-blind SGA in 2025: $1,620 per month
- Statutorily blind SGA in 2025: $2,700 per month
Earning above these amounts can affect your eligibility after trial work and grace periods. Plan your hours and pay carefully if you’re testing work.
September 2025 payment checklist (save this)
- Know your group:
- Pre-May 1997 / Concurrent: Sept 3
- Birthdays 1–10: Sept 10
- Birthdays 11–20: Sept 17
- Birthdays 21–31: Sept 24 (final)
- SSI was early: Aug 29 due to Labor Day.
- Direct deposit is fastest; paper checks can take longer—allow 3 mail days before escalating.
- If late: check your bank, confirm your date, then contact SSA.
The final SSDI payment for September 2025 will be deposited on Wednesday, September 24, for beneficiaries with birthdays from the 21st to the 31st.
Earlier rounds land on September 3, 10, and 17 for the other groups, and SSI was paid early on August 29 because of the Labor Day holiday.
Your 2025 SSDI amount reflects the 2.5% COLA, but the figure is individual and based on your work record.
For the smoothest experience, keep direct deposit information current, know your Wednesday group, and follow the late-payment steps if your money hasn’t posted by day’s end.
This simple planning helps you rely on your SSDI income with fewer surprises.
FAQs
Yes. SSDI pays on the second, third, and fourth Wednesdays based on birth date. In September 2025, the fourth Wednesday is September 24, which makes it the final SSDI disbursement of the month.