October Social Security Payments Begin Nationwide Amid Paper Check Phase-Out

The first wave of October 2025 Social Security payments, capped at $5,108, will be issued on October 8 to beneficiaries born between the 1st and 10th of the month, with subsequent payments scheduled for October 15 and 22 based on birth dates. An executive order signed by President Trump ended the issuance of paper checks as of September 30, requiring recipients to receive payments via direct deposit or a Direct Express debit card, which could cause delays if beneficiaries have not updated their payment methods. Payment amounts vary based on retirement age, lifetime earnings, and credits, with retirees starting benefits at 62 receiving lower payments (up to $2,831) compared to those waiting until age 70 to maximize benefits. Social Security is funded by payroll taxes from employers and employees, but analysts warn that unless Congress acts, full payments may be unsustainable by 2034 due to demographic changes. The transition away from paper checks aims to reduce costs, delays, fraud risk, and theft, potentially saving the government about $750 million annually. Beneficiaries are encouraged to verify their payment methods and check their Social Security accounts to avoid disruptions.