Millions of people across the United States received their Supplemental Security Income (SSI) on time on Tuesday, July 1, 2025. But not everyone was lucky. Over 521,000 people who still depend on paper checks are facing delays, sometimes up to three business days.
This group includes elderly citizens, people with disabilities, and families living in deep poverty. Many of them do not have easy access to digital banking or live in areas where mail delivery is slow.
Why Are SSI Paper Checks Delayed?
The U.S. Postal Service (USPS) is under a lot of pressure. Due to budget cuts and changes in its system, mail deliveries have slowed down in many big cities like New York and Los Angeles.
These delays are not just an inconvenience. For many people, even a single day’s delay in receiving their money can lead to real problems, like not being able to buy food or medicine.
Susan Halberg, an expert at the Center for Retirement Policy, said, “The people who need these benefits the most are the ones hurt the most when there are delays.”
SSA Moving to Digital Payments Only
To prevent these kinds of delays, the Social Security Administration (SSA) is encouraging everyone to switch to electronic payments. In fact, since 2013, new applicants have only been allowed to sign up for direct deposit or a Direct Express card. Today, 99% of SSI payments are already digital.
Electronic payments go straight into your account on the first of each month, even if it’s a weekend. If you’re still receiving paper checks, the SSA advises you to switch as soon as possible. You can do this online at ssa.gov, by calling 1-800-772-1213, or by visiting your local SSA office.
Paper Checks Will Be Stopped Soon
Starting September 30, 2025, the government will stop sending SSI paper checks, except in rare cases. If you still want to receive a check in the mail, you must request a special waiver before that date.
Experts worry that many seniors, especially those in rural areas without banks or internet access, may not be ready for this change and could be left without their benefits.
USPS Struggles Are Making Things Worse
The USPS is dealing with several challenges, from staff shortages to funding issues. These problems have delayed all types of Social Security payments, including retirement and disability benefits.
Some people in the Midwest reported waiting up to five days for their checks in June. While the SSA says you should report a missing check after 10 business days, getting a replacement can take weeks.
Community Support Is Stepping Up
In places like Cleveland and Phoenix, local groups are stepping in to help. Volunteers are helping people sign up for the Direct Express debit card, which works like a regular bank card. Senior centers are also offering free lessons on how to use online banking and manage money digitally.
“We’re in a race against time,” says social worker María López. “September is just around the corner.”
SSI Payment Schedule for the Rest of 2025
Here’s when the SSA will send out SSI payments for the rest of the year:
August 2025: Friday, August 1
September 2025: Monday, September 1
October 2025: Wednesday, October 1
November 2025: Friday, October 31 (because November 1 is a Saturday)
December 2025: Monday, December 1
January 2026 Payment: Scheduled for Wednesday, December 31, 2025
The move from paper checks to digital payments is meant to make things easier and faster. But not everyone is ready. Many people, especially older adults and those in remote areas, still depend on physical checks.
As the deadline gets closer, it’s important for them to act now to avoid losing access to these important benefits. Community support and clear guidance can help them make the switch smoothly and stay protected.
