As February 2026 moves forward, millions of Americans who depend on Social Security are paying close attention to their payment dates. For many retirees, people with disabilities, and low-income households, these monthly benefits cover essential expenses such as housing, food, medical bills, and utilities. Understanding when deposits arrive helps beneficiaries manage their budgets and avoid confusion.

The first payments connected to February were issued to Supplemental Security Income recipients. SSI benefits are normally paid on the first day of each month. However, when the first falls on a weekend or federal holiday, the payment is sent early. Because February 1, 2026 was a Sunday, SSI beneficiaries received their February payment on the last business day of January. This early release prevented delays caused by the weekend.

Another group received payments on February 3, 2026. This date applies to individuals who began receiving Social Security retirement, disability, or survivor benefits before May 1997. It also includes people who receive both SSI and another Social Security benefit. These recipients follow a fixed early-month schedule that does not change based on birth date, offering steady and predictable timing.

Most other beneficiaries follow the standard three-Wednesdays system. This schedule applies to people who started receiving benefits after May 1997. Payments are issued on the second, third, or fourth Wednesday of the month, depending on the beneficiary’s date of birth. In February 2026, the final Wednesday payment is set for February 25 and covers individuals born later in the month.

There is one more payment scheduled before February ends. Since March 1, 2026 falls on a Sunday, the SSI payment intended for March will be issued early. That deposit is scheduled for Friday, February 27. Although it is technically the March benefit, recipients will see the funds in their accounts before the month closes.

All February payments reflect the 2026 cost-of-living adjustment. The Social Security Administration applied a 2.8 percent increase to retirement, disability, survivor, and SSI benefits. This adjustment helps beneficiaries keep up with rising costs and inflation.

Most payments are delivered through direct deposit or government-issued payment cards. Electronic delivery is faster and more secure than paper checks.

Disclaimer: This article is for informational purposes only and does not provide legal, financial, or benefits advice. Payment dates and amounts may vary based on individual circumstances and official rules. Beneficiaries should consult the Social Security Administration for accurate and personalized information.