Every month, millions of Americans depend on Social Security checks to cover essentials like rent, groceries, and medical costs. But in September 2025, some retirees may notice they’re only receiving one check instead of two. This can cause confusion, especially for seniors budgeting carefully around fixed incomes.
Here’s why this happens, who it affects, and what retirees should expect in the months ahead.
Why Do Some Retirees Receive Only One Social Security Check?
Social Security follows a strict payment calendar, but the way the dates fall in certain months can change how many checks arrive. September 2025 is one of those unusual months.
| Payment Type | Normal Frequency | September 2025 Schedule | Result |
|---|---|---|---|
| Retirement / Disability (OASDI) | Monthly | Single September payment | 1 check |
| Supplemental Security Income (SSI) | Monthly (1st of each month) | Paid early in Aug. for September | No SSI payment in September |
| Dual Beneficiaries (SSI + OASDI) | Two checks monthly | Only one check received in September | 1 check |
- SSI recipients will not get a September SSI check because the Sept. 1 payment will be sent early on Aug. 29 (Friday, before Labor Day weekend).
- Regular retirement checks will still be paid once in September.
- Those who usually see two payments (SSI + Social Security) will only see one this month.
Key Dates for September 2025
| Group | Payment Date |
|---|---|
| SSI (September benefit) | August 29, 2025 (early deposit) |
| Social Security (last names A–F) | September 10, 2025 |
| Social Security (last names G–M) | September 17, 2025 |
| Social Security (last names N–Z) | September 24, 2025 |
Why This Happens Regularly
This is not a cut or mistake. Instead, it’s due to the federal calendar:
- When the 1st of the month falls on a weekend or holiday, SSI is paid early, shifting the schedule.
- September 2025 falls into this category, causing SSI to be deposited in late August.
Frequently Asked Questions (FAQ)
1. Did Social Security cut my check in September 2025?
No. You’ll still receive the same amount, but the timing is different.
2. If I only get one check, will I get two in October?
Yes. October will bring both your SSI (on Oct. 1) and regular Social Security payment.
3. How do I confirm my September payment status?
Log into your mySSA.gov account to see your deposit schedule.
4. What if my payment is late?
Most deposits arrive on schedule, but delays can occur due to banks or holidays. Call the SSA if your payment is more than 3 days late.
5. Should I budget differently for September?
Yes. Since SSI came early (Aug. 29), you’ll need to spread that payment to cover September expenses.
Key Takeaway
In September 2025, many retirees will only see one Social Security check because the SSI benefit was paid early on August 29. This is a calendar adjustment, not a reduction. Payments return to normal in October, when beneficiaries will again receive two separate checks if eligible.