October 2026 Social Security Payment Schedule & Benefit Dates
SSI posts Thursday, October 1. Columbus Day / Indigenous Peoples’ Day (Mon Oct 12) does not move Wednesday cohorts, but the pre-1997 payment due Saturday, October 3 shifts to Friday, October 2. Birthday cohorts: October 14, 21, and 28.
1 of 5 cohorts are holiday-adjusted this month
October 2026 — Columbus Day shifts the 3rd-of-month payment
- Oct 3 Saturday → pre-1997 paid Friday, October 2
- Columbus Day Mon Oct 12 falls before the Oct 14 Wednesday payment — no shift
- Final October payment: Friday, October 30 — November SSI paid early because Nov 1 is a Sunday
SSI
Supplemental Security Income
October 01, 2026
1st of the month (or prior business day)
Pre-1997 / Dual eligibility
Claims before May 1997 or concurrent SSI
October 02, 2026
3rd of the month (or prior business day)
Birthdays 1–10
Post–May 1997 Title II
October 14, 2026
2nd Wednesday (holiday → prior business day)
Birthdays 11–20
Post–May 1997 Title II
October 21, 2026
3rd Wednesday (holiday → prior business day)
Birthdays 21–31
Post–May 1997 Title II
October 28, 2026
4th Wednesday (holiday → prior business day)
October 2026 schedule FAQs
What is the final Social Security payment date in October 2026?
Wednesday, October 28 is the last regular Social Security payment (birthdays 21–31). The final deposit of the month is Friday, October 30, when November's SSI payment arrives early because November 1 is a Sunday. That's your November payment, not an extra one.
Who gets a Social Security payment on October 28, 2026?
People whose birthday falls on the 21st through the 31st of any month and who started benefits after April 1997. October 28 is the fourth Wednesday of the month. If your payment hasn't arrived, wait three additional mail days before contacting Social Security, as SSA advises.
Why is October’s 3rd-of-month payment on October 2?
October 3, 2026 is a Saturday, so pre-1997 / dual eligibility moves to the prior business day, Friday, October 2.
When do birthdays 1–10 get paid in October 2026?
Wednesday, October 14, 2026.
Adjacent months & tools
Compare October 2026 with neighboring months, the full-year calendar, or estimate your net deposit after Medicare and tax withholding.
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.