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Social Security February 2026 Payment Schedule Confirmed — 4 Check Dates Official

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The Social Security Administration (SSA) has confirmed the complete payment schedule for February 2026, covering retirement, survivors, disability, and Supplemental Security Income (SSI) benefits. All February payments reflect the 2.8% COLA increase that took effect in January 2026. Importantly, February 15, 2026, is a Sunday, so no payments are scheduled on that exact date. Instead, benefits follow the standard cycle: early SSI disbursement due to the weekend, special group payments on the 3rd, and the regular three Wednesday schedule for most recipients. This guide provides the 4 official check dates (deposit dates) for February 2026, explains who receives payments when, and outlines what beneficiaries should expect.

Confirmed February 2026 Social Security & SSI Payment Dates

The SSA pays benefits on the second, third, or fourth Wednesday for most recipients, or on the 3rd (or 1st for SSI) in special cases. Because February 1, 2026, falls on a Sunday, SSI payments move early.

Here are the 4 confirmed check dates for February 2026:

  1. Friday, January 30, 2026 — Early SSI payments for February (regular February 1 payment moves forward because February 1 is a Sunday).
  2. Tuesday, February 3, 2026 — Special group payments (benefits started before May 1997, or those receiving both Social Security and SSI) — paid on the 3rd of the month.
  3. Wednesday, February 11, 2026 — Retirement, survivors, and disability benefits for birth dates 1st–10th (second Wednesday).
  4. Wednesday, February 18, 2026 — Retirement, survivors, and disability benefits for birth dates 11th–20th (third Wednesday).
  5. Wednesday, February 25, 2026 — Retirement, survivors, and disability benefits for birth dates 21st–31st (fourth Wednesday).

No payments are issued on Sunday, February 15. Direct deposit payments post early in the morning on the scheduled date (or the prior business day if the date falls on a weekend or holiday).

2026 COLA Impact on February Payments

The 2.8% COLA increase applies to all February 2026 payments. Average monthly benefits after COLA:

  • Retirement: approximately $2,074
  • Disability: approximately $1,633
  • SSI federal benefit rate (individual): $943

February deposits include this full adjustment—no separate increase is applied.

What to Expect & How to Verify Your Payment

  • Direct deposit posts reliably on the scheduled date (or prior business day).
  • Allow 3 additional mailing days for the rare paper check.
  • Log into your my Social Security account at ssa.gov to confirm your exact payment date and amount.
  • Check your bank account or Direct Express card (for SSI) first—deposits often appear overnight.
  • If delayed, contact SSA at 1-800-772-1213 (TTY 1-800-325-0778).

For the full 2026 calendar and personalized dates, visit ssa.gov and download the Schedule of Social Security Benefit Payments 2026 (EN-05-10031).

FAQs – February 2026 Social Security Payment Schedule

  1. Are there any Social Security payments on February 15, 2026? No — February 15 is a Sunday, so no payments are scheduled that day.
  2. When do SSI payments for February 2026 go out? Early on Friday, January 30, 2026, because February 1 is a Sunday.
  3. Who receives the earliest payments in February 2026? SSI beneficiaries (January 30) and the special group (February 3) get paid ahead of the main Wednesday schedule.
  4. What are the 4 main check dates for Social Security in February 2026? January 30 (SSI early), February 3 (special group), February 11, February 18, and February 25 (regular Wednesday cycle).
  5. Does the 2026 COLA affect February payments? Yes — all February payments include the full 2.8% COLA increase that began in January 2026.

Conclusion

The February 2026 Social Security and SSI schedule is confirmed with 4 main payment dates: January 30 (SSI early), February 3 (special group), February 11, February 18, and February 25. No payments occur on Sunday, February 15. All deposits reflect the 2.8% COLA increase. Log into your my Social Security account or visit ssa.gov for personalized dates and the complete 2026 calendar. Direct deposits post reliably on these dates—plan your budget around the official schedule and contact SSA if anything seems delayed.

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