Why is my first Social Security check scheduled for April when my birthday is in February?
I'm so confused about my Social Security retirement timing! I did everything right - applied 3 months ahead like everyone says to do. Got my approval notice at the end of December which was a relief. My birthday is in February, so I thought I'd get my first payment in March (I know they pay a month behind). But when I checked my MySocialSecurity account, it's showing my first deposit scheduled for April 2nd! That's like 2 months after my birthday. Did something go wrong with my application? Is there a new delay I didn't know about? The SSA office never answers when I call and I'm getting worried about my budget planning.
18 comments
Nathaniel Mikhaylov
This is actually normal and happens to many people. Social Security benefits are paid the month after they are due, and they're due for the first full month you're eligible. If your birthday is in February, you reach full eligibility in March (even if your birthday is February 1st), so your first payment would come in April. It's confusing but that's how the system works.
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Melody Miles
•Thank you for explaining! So even though I'll be 66 and 4 months in February (that's my FRA), I don't get a payment for February? That seems so strange - I thought once I hit retirement age I'd start getting benefits right away.
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Eva St. Cyr
Same thing happend to me last year. My birthday was in November and first check came in January. Something about needing to be retired for a full month first.
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Kristian Bishop
•No that's not exactly right. You don't need to be retired for a month. It's about when you reach full retirement age and how SSA pays benefits for the PREVIOUS month. If your birthday is on the 15th of November, you'd be eligible starting December (first full month of eligibility), and get paid in January for December's benefit. The system is weird.
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Kaitlyn Otto
This is one of the most confusing parts of Social Security! The actual rule is that you must be eligible for the entire month to receive benefits for that month. Since you turn your eligible age IN February, you're not eligible for the entire month of February. So March becomes your first month of eligibility, and those benefits are paid in April. It's called the "first month of entitlement" rule. Here's what happened in your case: - You turned retirement age in February - March is your first full month of eligibility - April is when you receive payment for March SSA always pays a month behind. So the April 2nd payment is correct!
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Melody Miles
•Oh, I get it now. So even though I'll reach my full retirement age IN February, I don't get February benefits because I wasn't that age for the WHOLE month. That makes sense now, but wow they could explain this better when you apply! Thank you.
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Axel Far
•unless ur born on the 1st or 2nd of the month! then u get paid for that month. my husband got his first check quicker cuz his bday is the 1st. its in the rules somewhere
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Jasmine Hernandez
I spent HOURS trying to get through to SSA with this exact same question last year!! Keep getting busy signals and disconnected. Finally gave up and went to the local office where they told me this is normal. BUT I discovered a service called Claimyr that can get you through to a live person at Social Security without the wait. Just go to claimyr.com - they have a video showing how it works here: https://youtu.be/Z-BRbJw3puU. Saved me so much frustration when I had questions about my Medicare enrollment later.
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Melody Miles
•Thanks for the tip! I might try that service if I have more questions. For now the explanations here make sense - just wish SSA would make this clearer in their approval notices.
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Kristian Bishop
Everyone's explaining the timing right, but ALSO be aware that when you DO start getting paid, it depends on your birth date for WHICH DAY of the month you'll receive benefits: - Birth date 1st-10th: Second Wednesday - Birth date 11th-20th: Third Wednesday - Birth date 21st-31st: Fourth Wednesday The April 2nd date you mentioned sounds unusual - usually payments follow the Wednesday schedule. Double-check that date in your MySocialSecurity account.
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Melody Miles
•I double-checked and you're right! It actually says April 10th (second Wednesday). I was looking at the wrong date on my calendar. Thank you for catching that!
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Luis Johnson
The whole SOCIAL SECURITY system is DESIGNED to confuse people!!!!! They DELIBERATELY make it complicated so people miss out on benefits they deserve. I bet if you went to a different SSA office and asked the same question you'd get 3 different answers!! My sister lost almost $5000 because nobody told her about the earnings test when she kept working part-time. The government WANTS you to be confused!!!!!
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Kaitlyn Otto
•While I understand your frustration, this particular rule about first month of entitlement has been consistent for decades. It's not designed to confuse people, but it is complex because the system has to work for millions of people in different situations. The real problem is that SSA is understaffed and unable to provide clear explanations to everyone. Your sister's situation with the earnings test is unfortunate, but that's a different issue than what the original poster was asking about.
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Eva St. Cyr
congrats on retirement! don't worry about the timing, the checks will come regularly after the first one. my brother had the same worry but now he gets his deposit same day every month like clockwork
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Axel Far
What day of Feb is ur bday? If its early in month u might qualify for Feb payment paid in March. Call and ask!
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Melody Miles
•My birthday is February 18th, so I guess I definitely wasn't eligible for the whole month. Good point though!
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Nathaniel Mikhaylov
One additional thing to be aware of: if April 10th is your first payment, it will include your benefit for March only. But going forward, you'll receive a payment every month. So while it might feel like you're "missing" a month at the beginning, you'll continue receiving benefits throughout your lifetime, including for the last month of your life (though that final payment would go to your estate).
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Melody Miles
•That makes sense. I'm just glad to understand the system now! Thanks everyone for the helpful explanations.
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