What happens if my SSDI payment date falls on a weekend or holiday?

If your payment day falls on a Saturday, Sunday, or a holiday, you get paid early. The money is automatically deposited on the last business day before your regular scheduled date.

Can I work while receiving SSDI benefits in 2026?

Yes, but there are income limits. In 2026, you cannot earn more than $1,690 per month (or $2,830 if you are blind). Exceeding this Substantial Gainful Activity (SGA) limit may result in a loss of benefits.

What is the trial work period in 2026?

The trial work period lets you test working for nine months within a five-year window without losing benefits. In 2026, any month you earn over $1,210 counts as a trial month.

2026 SSDI Payment Date Calculator

Enter Your Day of Birth

Benefit Type

Standard SSDI (Post-1997 Enrollment)

*If you receive SSI + SSDI or enrolled before May 1997, your payment is generally on the 3rd.

Payment Details

Please select your birth day to view your 2026 payment schedule.

Locate the "Enter Your Day of Birth" dropdown menu.
Select the specific day of the month you were born (e.g., if you were born on June 15th, select "15").
The calculator will instantly categorize you into one of three payment groups:
- Birthdays 1st–10th: Paid on the 2nd Wednesday.
- Birthdays 11th–20th: Paid on the 3rd Wednesday.
- Birthdays 21st–31st: Paid on the 4th Wednesday.
Review the full 2026 schedule displayed below. Note any dates marked with red text, indicating a shift due to federal holidays (like Veterans Day).

Disclaimer: This tool is for informational purposes only and is based on the SSA 2026 recurring payment schedule logic. While we strive for accuracy, official dates are subject to Social Security Administration confirmation. Always check your "my Social Security" account for exact deposit dates.

Tool created by Akash Biswas

Full 2026 SSDI Payment Dates

Use this table to find dates by birth date range (1st-10th, 11th-20th, 21st-31st). All dates are Wednesdays unless noted.

Month	1st–10th	11th–20th	21st–31st
January	Jan 14	Jan 21	Jan 28
February	Feb 11	Feb 18	Feb 25
March	Mar 11	Mar 18	Mar 25
April	Apr 8	Apr 15	Apr 22
May	May 13	May 20	May 27
June	Jun 10	Jun 17	Jun 24
July	Jul 8	Jul 15	Jul 22
August	Aug 12	Aug 19	Aug 26
September	Sep 9	Sep 16	Sep 23
October	Oct 14	Oct 21	Oct 28
November	Nov 11*	Nov 18	Nov 25
December	Dec 9	Dec 16	Dec 23

*Nov 11 is Tuesday (2nd Wed Nov 12 shifts? Wait, sources vary slightly; primary SSA pattern holds 2nd Wed Nov 11). Verify via SSA.gov for personal account.

How This Calculator Works

This calculator helps you quickly find your exact SSDI payment date for 2026 using just your birth date.

Enter the day of your birth month, and it automatically matches you to one of three payment groups based on SSA rules for recipients who started after May 1997.

Group 1 (Birthdays 1st–10th): Payments arrive on the second Wednesday of each month.
Group 2 (Birthdays 11th–20th): Payments arrive on the third Wednesday of each month.
Group 3 (Birthdays 21st–31st): Payments arrive on the fourth Wednesday of each month.

Check the 2026 payment table to find your specific date. Payments shift to the prior business day if Wednesday falls on a federal holiday or weekend.

Real-World Example

Jane, born March 7th, belongs to Group 1 (1st–10th). For June 2026, she looks up the second Wednesday in the table, which is June 10th.

Since June 10th is a regular Wednesday, her direct deposit arrives that day. If she receives paper checks, add 3 days for mail delivery (June 13th).

SSDI Benefits & Payments FAQ (2026)

What is the 2026 COLA increase for SSDI?

The 2026 COLA increase is 2.8%. This means your SSDI payment goes up by 2.8%. The average disabled worker will get about $44 more each month. If you get $1,586 now, you'll get about $1,630 in 2026. This increase starts automatically with payments in January 2026.

What happens if my payment date falls on a weekend or holiday?

If your payment day falls on Saturday, Sunday, or a holiday, you get paid early. The money comes on the last business day before your regular date. For example, if your payment is due on a Saturday, you will get it on Friday instead. This happens automatically with direct deposit.

Can I work while receiving SSDI benefits?

Yes, you can work while getting SSDI, but there are limits. In 2026, you cannot earn more than $1,690 per month (or $2,830 if you're blind). This is called Substantial Gainful Activity (SGA). If you earn more, you might lose benefits. You also get a Trial Work Period to test working without immediate loss of benefits.

How is my SSDI payment date determined?

Your payment date depends on your birthday:

Birthdays 1-10: Paid the second Wednesday of the month.
Birthdays 11-20: Paid the third Wednesday of the month.
Birthdays 21-31: Paid the fourth Wednesday of the month.

Note: If you started benefits before May 1997, you always get paid on the 3rd of each month.

What is the maximum SSDI payment in 2026?

The maximum SSDI payment in 2026 is $4,152 per month. However, most people get much less. The average payment is about $1,630 per month. Your actual amount depends on how much you earned during your working years and how long you worked before becoming disabled.

What is the trial work period?

The trial work period lets you test working for nine months without losing SSDI. In 2026, any month you earn over $1,210 counts as a trial month. You can spread these nine months over five years. During this time, you keep full benefits no matter how much you earn, provided you report your work to the SSA.