February 15, 2026, is not a standard Social Security payment date in the USA. Social Security benefits follow a fixed monthly schedule based on your birth date (for retirement, survivors, and disability benefits) or other rules (for SSI), and February 15 falls on a Sunday in 2026, so no payments are scheduled for that exact day.
Standard Social Security Payment Schedule for February 2026
The Social Security Administration (SSA) pays benefits on the second, third, or fourth Wednesday of the month for most recipients, or on the 3rd (or 1st for SSI) in special cases. Here’s the confirmed schedule for February 2026:
- SSI payments for February: Issued on Friday, January 30, 2026 (early because the regular 1st falls on a weekend/Sunday in February).
- Special group (benefits started before May 1997, or both Social Security & SSI): Paid on Tuesday, February 3, 2026 (3rd of the month).
- Birth dates 1st–10th: Paid on Wednesday, February 11, 2026 (second Wednesday).
- Birth dates 11th–20th: Paid on Wednesday, February 18, 2026 (third Wednesday).
- Birth dates 21st–31st: Paid on Wednesday, February 25, 2026 (fourth Wednesday).
If your payment day falls on a weekend or holiday, it’s usually moved to the previous business day (Friday). Direct deposits post early in the morning on the scheduled date (or the business day before if it’s a non-business day), depending on your bank.
2026 COLA Impact
Social Security and SSI benefits increased by 2.8% with the 2026 Cost-of-Living Adjustment (COLA), effective for payments starting in January 2026. The average monthly retirement benefit rose to approximately $2,074, and disability payments average around $1,633. The February payment reflects this increase.
What to Do If Your Payment Is Missing
- Allow 3 additional mailing days after the scheduled date before contacting SSA.
- Check your bank account or Direct Express card (for SSI) first—direct deposits often post overnight.
- Use the SSA’s online tools (my Social Security account) or call 1-800-772-1213 if needed.
- If it’s delayed beyond expectations, contact SSA directly.
For the full 2026 calendar and personalized details, visit the official SSA website (ssa.gov) and check the Schedule of Social Security Benefit Payments 2026 publication (EN-05-10031). Always rely on official sources—scams often use fake “early payment” claims.
If your situation is unique (e.g., foreign address, combined benefits, or recent changes), log into your my Social Security account or call SSA for exact timing. Your February payment is already on track per the standard schedule—most recipients saw it arrive on or around the dates listed above.