Social Security first payment smaller than subsequent monthly amounts - normal?
Just received my approval letter from Social Security for my retirement benefits and something seems odd. The letter states my first payment will be $1,742, but then says after that I'll receive $2,128 on the 3rd Wednesday of each month going forward. Has anyone else had this happen with their SS benefits? I'm confused why the first payment would be smaller than the rest. Is this normal procedure or should I be calling to ask about this discrepancy? Don't want to waste hours on hold if this is just standard SSA practice.
15 comments
CosmicCadet
This is completely normal! Your first payment is likely prorated based on when you applied and were approved. SSA typically pays benefits for the previous month, so if you became eligible partway through a month, your first check will be smaller to reflect the partial month. All your regular payments after that will be the full monthly amount.
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Mei Chen
•Thank you! That makes sense. I did apply mid-month so I guess that explains it. I was worried there was some kind of mistake or reduction I wasn't aware of.
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Liam O'Connor
same thing happened with my payments when i started last year. first one was like $600 less than what i get now. its normal
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Amara Adeyemi
I had EXACTLY this situation in January!!! My first payment was $1,210 but then my regular monthly is $1,892. I called SSA and spent THREE HOURS trying to get through only to be told it was normal. Something about being prorated for my application date. SUCH a waste of time trying to call them!!! 😡
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Giovanni Gallo
•Next time you need to contact SSA, try using Claimyr instead of calling directly. I discovered it after wasting days trying to get through. It holds your place in line and calls you when an agent is available. Saved me hours of frustration when I had questions about my disability back-payments. Their site is claimyr.com and they have a video demo at https://youtu.be/Z-BRbJw3puU showing how it works. Way better than the hang-ups and busy signals from calling SSA directly.
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Fatima Al-Mazrouei
To clarify what others have said, this is standard SSA procedure. The initial payment is often prorated based on your entitlement date. For example, if you became entitled to benefits on the 15th of the month, your first payment would only include benefits for half that month. Also important to know: Social Security benefits are paid in arrears - meaning you receive January's payment in February, February's payment in March, etc. And the payment date is determined by your birth date: - 1st-10th of month: paid on 2nd Wednesday - 11th-20th: paid on 3rd Wednesday (your case) - 21st-31st: paid on 4th Wednesday Nothing to worry about - your full benefit amount will start with your second payment.
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Dylan Wright
•my neighbor gets his on the 3rd but his birthday is the 27th so i think ur dates are wrong
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NebulaKnight
When I got my SSDI last yr they said my first check would be $823 but then i got $1455 after that every month. I was so worried they would take back the "extra" money lol. But its just how they do the first month i guess. I was approved in the middle of August so my first payment only covered part of the month.
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Dylan Wright
this is just how they do it dont worry about it. same thing for me
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Mei Chen
Thanks everyone for the helpful replies! I feel much better knowing this is normal procedure. Saved me hours of frustration trying to call SSA about something that's apparently standard practice. Really appreciate all the explanations!
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Liam O'Connor
•glad u got ur answer! the ssa stuff is confusing at first but gets easier
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NebulaKnight
When I got my first payment it was actually MORE than my regular payments and then they sent me a letter saying I owed them back $433!!! So I think you're lucky yours is just smaller! The SSA systems are so complicated sometimes I wonder if anyone there even understands how it all works lol.
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Amara Adeyemi
•OMG that's terrible!!! Did you have to pay it back all at once? I've heard horror stories about SS overpayments where they just start taking it out of your checks without warning!!
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CosmicCadet
One more thing to consider - check if your Medicare premium is being deducted from your Social Security. Sometimes the first payment doesn't include the Medicare deduction, but subsequent payments do, which would actually make your first payment LARGER. Since yours is smaller, it's almost certainly the prorated amount others have mentioned, but it's good to check your award letter for any Medicare details too.
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Mei Chen
•Good point! I just double-checked my letter and I don't have Medicare deductions yet (I'm only 63 - took early retirement). The letter does mention the proration for partial month that everyone's been talking about. Really appreciate all this helpful information!
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