SSDI September Payments: What To Do If Your Check Didn’t Arrive Yesterday

If your SSDI payment didn’t arrive yesterday, don’t panic—most problems have simple fixes.

This guide explains September 2025 Social Security Disability Insurance payment dates, how to confirm whether you were actually due to be paid, common reasons a deposit or paper check didn’t post, and the exact steps (with phone numbers) to resolve a missing or late payment quickly.

Quick reality check: SSDI payments are scheduled, not “any day”.

In September 2025, most people are paid on a Wednesday based on their birth date, while a separate group is paid on the 3rd of the month.

SSI for September was paid early on Friday, August 29, 2025 due to Labor Day on September 1.

September 2025: Who Gets Paid When?

The Social Security Administration’s official 2025 calendar sets the rules below.

If you receive SSDI only and started after May 1997, your payday is tied to your birth date; if you started before May 1997 or receive both SSI and Social Security, you’re in the 3rd-of-the-month group.

September 2025 Payment Dates (SSDI & SSI)

Group	Who Is In This Group?	September 2025 Payment Date	How Your Date Is Determined
SSI	Supplemental Security Income	Fri, Aug 29, 2025 (paid early)	Sept 1 is Labor Day, so September SSI was issued the business day before.
SS/SSDI – 3rd of month	Received Social Security before May 1997, or receive both SSI & Social Security	Wed, Sept 3, 2025	Fixed 3rd-of-month payday.
SSDI – Birthdays 1st–10th	Began benefits May 1997 or later	Wed, Sept 10, 2025	Second Wednesday group.
SSDI – Birthdays 11th–20th	Same as above	Wed, Sept 17, 2025	Third Wednesday group.
SSDI – Birthdays 21st–31st	Same as above	Wed, Sept 24, 2025	Fourth Wednesday group.

Tip: You can confirm your personal schedule in your my Social Security account under “View benefit payment schedule.”

Didn’t Get Paid “Yesterday”? First Confirm You Were Due

Before starting calls, make sure yesterday was actually your assigned payday:

• Match your group (table above) to the date you expected.
• Check holidays/weekends. SSI for September was already paid Aug 29; no SSI posts on Sept 1. SSDI groups are Wednesdays this month.
• Look inside your my Social Security account to verify your next payment date.

If you were due, follow the steps below based on how you get paid.

If You Use Direct Deposit (Bank Or Credit Union)

• Check your account activity (including pending transactions) and ask your bank if posting is delayed. SSA instructs you to contact your bank first if an electronic payment did not arrive on the scheduled date.
• If the bank confirms no deposit, call SSA at 1-800-772-1213 (TTY 1-800-325-0778) or contact your local office. SSA will review your case and replace the payment if it’s due.
• If you changed banks recently, ensure your routing/account numbers were updated in my Social Security and that your old account didn’t reject the deposit. You can start or change Direct Deposit online or by calling Treasury’s Electronic Payment Solution Center: 1-800-333-1795.

If You’re Paid On A Direct Express® Card

• Open the Direct Express® app or log in online to check whether the deposit posted. You can also call 24/7: 1-888-741-1115 (hearing impaired 1-866-569-0447; international 1-765-778-6290).
• If there’s no deposit, contact SSA after checking your card account. (SSA can confirm whether Treasury released the payment.).

If You Receive A Paper Check

• Allow three additional mailing days after your expected date before contacting SSA (official guidance).
• Sign up for USPS Informed Delivery to preview incoming mail and watch for your check.
• If you suspect mail theft or loss, report it immediately to the U.S. Postal Inspection Service (USPIS) online or at 1-877-876-2455. Mail-theft-related check fraud has been a rising issue—reporting quickly helps protect your funds.
• Contact SSA to initiate a payment trace/replacement once the three-day window passes. (SSA coordinates with Treasury’s Bureau of the Fiscal Service to replace stolen or lost checks.)

Other Reasons Your SSDI Might Not Post

• Your pay date wasn’t yesterday. Payment timing depends strictly on birth date or 3rd-of-month rules. Verify in my Social Security.
• Bank posting delays or holds. Some institutions post overnight or hold unusual deposits for verification—ask your bank first.
• Recent account changes. Switching banks or fixing a typo can take a cycle to settle; ensure your Direct Deposit details are correct.
• Offsets for federal debts (rare for SSDI, but possible). If your payment was reduced/offset for a government debt, call Treasury’s TOP line at 800-304-3107 to check.
• Paper-check delivery issues or theft. Use Informed Delivery and report suspected mail theft to USPIS.

Step-By-Step: What To Do Today

• Confirm your September payday using the table above or your my Social Security account.
• Direct deposit missing? Call your bank first. If not posted, call SSA at 1-800-772-1213 (TTY 1-800-325-0778).
• Direct Express® missing? Check the app/site, then call 1-888-741-1115 for card help.
• Paper check not here? Wait 3 mailing days, then call SSA to start a trace; report mail theft to USPIS if you suspect it.
• Set up or switch to Direct Deposit to reduce future delays—online or 1-800-333-1795.

Pro Tips To Prevent Future Delays

• Use Direct Deposit or Direct Express® (fastest, most secure).
• Monitor your schedule in my Social Security and set calendar reminders for your Wednesday group or 3rd-of-month payment.
• Watch for holiday shifts. For example, Labor Day moved September SSI to Aug 29 this year.
• Beware of scams. USPS and law-enforcement warn about rising mail theft and phishing texts. Don’t click tracking links you didn’t request; report suspicious messages.

Key Contacts (Fast Reference)

Need	Who To Contact	Details
Late/Missing Payment (after you check your bank)	Social Security Administration	1-800-772-1213 (TTY 1-800-325-0778). Local office help available.
Direct Express® Card Not Showing Deposit	Direct Express®	1-888-741-1115 (TTY 1-866-569-0447, International 1-765-778-6290). App & web available.
Switch To/Change Direct Deposit	Treasury Electronic Payment Solution Center	1-800-333-1795 (Go Direct).
Possible Federal Debt Offset	Treasury Offset Program (TOP)	1-800-304-3107 (automated info about offsets).
Mail Theft Or Lost Check	U.S. Postal Inspection Service	File online/report: USPIS (mail theft). 1-877-876-2455.

Frequently Asked Questions