The 2025 Social Security Survival Guide: What Changes on January 1st?

The Social Security Administration (SSA) is operating under a unique holiday schedule due to recent executive orders affecting federal worker holidays. Because Christmas Day falls on a Thursday this year, several adjustments have been made to in-person and phone services.

Below are the most frequent questions regarding Social Security services for the remainder of the 2025 holiday season.

Common Questions & Answers

1. Will my payment arrive on time for Christmas?

Yes. For those with birthdays falling between the 21st and 31st of any month, your final December payment is scheduled for Wednesday, December 24 (Christmas Eve). The SSA has confirmed that electronic deposits (Direct Deposit and Direct Express) will be processed normally and should hit your account on that day. However, if you still receive a paper check in the mail, you should anticipate potential delays due to the heavy holiday mail volume.

2. Is there a “Double Payment” in December 2025?

Yes, for SSI recipients. Because January 1, 2026, is a federal holiday, Supplemental Security Income (SSI) recipients will receive their January payment early on Wednesday, December 31, 2025. This is not a bonus check, but rather your January benefit arriving a day early. This second check will also be the first one to include the new 2.8% COLA increase.

3. Are the Social Security offices open this week?

The 2025 schedule is unusual. Based on recent guidance:

• Wednesday, December 24 (Christmas Eve): Most local field offices are operating on a reduced schedule, typically open from 9:00 AM to 1:00 PM local time.
• Thursday, December 25 (Christmas Day): All offices are Closed.
• Friday, December 26: Many field offices are observing this as a holiday, while others are offering limited phone-only service.
• Note: The national toll-free number (1-800-772-1213) will generally offer agent support from 9:00 AM to 1:00 PM on the 24th and 26th.

4. When does the 2026 COLA increase start?

The 2.8% Cost-of-Living Adjustment (COLA) for 2026 officially begins with benefits payable in January 2026.

• SSI Recipients: You will see the increase first in your check arriving on December 31, 2025.
• Social Security (Retirement/SSDI): You will see the increase in your regular January payment (either Jan 3, 14, 21, or 28, depending on your birth date).

5. What should I do if my Christmas Eve payment is missing?

If you were expecting a payment on December 24 and it does not appear, the SSA recommends waiting three business days before calling. Because of the office closures on the 25th and potentially the 26th, you may not be able to reach a representative until Monday, December 29. You can check your “Payment History” at any time by logging into your my Social Security account online.

2025 Holiday Tips

• Use Online Services: While physical offices have limited hours, you can still print benefit verification letters, change your address, or check your claim status 24/7 at SSA.gov.
• Watch for Scams: Be alert for “holiday” scams where callers claim your Social Security number has been suspended due to a holiday backlog. The SSA will never ask for payment via gift cards or wire transfers.
• Direct Deposit Updates: If you need to change your bank account for 2026, do it now via the online portal. Changes made during the holiday week may not take effect until your February check.