When to expect your Social Security benefits for December

 When to expect your Social Security benefits for December

When to expect your Social Security benefits for December If you’re on Social Security or disability benefits, I have breaking news. There are new rules that go into effect in January that could delay your check by a month or two if you’re not prepared.

I have all the breaking details you need to know right now. You can’t afford to wait on this one. Your next check depends on it. And I’m going to tell you exactly

what you need to change and the steps you need to take to avoid a delay in your Social Security or disability check.

Plus, there are six changes coming next year that the president is pushing that could put more money in your pocket if you’re getting Social Security or disability.

I know many of you are waiting for a meaningful Social Security increase on top of the Coke. I have some great news there. So stay tuned until the end of this video.

I'm going to walk young people through the bills that are currently in Congress that I know I've been doing for 15 years and these are some bills that I believe

can make a real difference in your finances and your pocketbook. And I'm going to walk young people through it. My name is Wami. I'm a government benefits expert. For 15 years,

I've been helping seniors get the retirement benefits they deserve. I create content on Social Security, Medicare, Medicaid, food stamps, and other personal finance topics

that affect seniors and their retirement and their benefits. So, if you're new to my channel, welcome. I'm glad you're here. Do me a quick favor. Go to the comments section

and tell me your city and your state. If you've been watching my channel for a while now, welcome back. I'm glad you're here. Thank you for your continued support.

We have a lot to cover today, but here's what I'm going to do. I'm going to break my topic down into two parts today.

There are things that have already happened that some seniors don't know about that are causing problems for them right now with their Social Security and disability checks.

I'm going to tell you about three important things that have happened. You may not be aware of them. And then I'm going to talk about what's going to happen after January 1st

that could affect your benefits that you need to be aware of. I'm going to tell you about it in detail, including the Social Security increase bill

that I'm excited to share with you. So stay with me until the end of this video. So, let's start with three things that have already happened

that are causing a lot of confusion for seniors and some of them may not remember their Social Security and disability checks for a few months. Let's get to that right away.

So, I'm going to take you to the Social Security website and then I'm going to tell you what happened on September 30th that caused millions of seniors to be disappointed with their Social Security checks.

So, President Trump issued an executive order. It's called the Transition to Electronic Payments Executive Order and it took out the Social Security Administration. He went,

"Oh, you can't see that. I thought I was already putting up the screen. Let me take it down and put it back up." Oh, there we go. So, you know,

there's a transition to electronic payments and it gives the Social Security Administration about two months to transition everyone who's been getting paper checks from the Social Security Administration

to electronic payments. The law requires that everyone receive their federal government payments electronically, but there were about five million people who were getting government benefits who were still getting paper checks. The president wanted to repeal that.

And the Social Security Administration had two months to implement it. Notices were sent, but many seniors didn't get them or didn't get them

And they didn't know that this was serious. And it ended up that after September 30th, electronic payments started, paper payments were cut off and then millions of seniors who were getting paper payments couldn't get their checks.

So if you’re one of those people, I’m going to tell you what to do very quickly, but let’s read a little bit about what the order says. It says that by September 30th, you know,

This is an important reminder to prepare for the transition to electronic payments. All federal benefits will soon be issued electronically and in most cases, paper checks will be phased out.

If you still receive paper checks, now is the time to act to avoid any disruption to your payments. You need to move to electronic payments before September 30th. Now, why make the switch?

Electronic payments are faster, safer, and more convenient. Funds are deposited directly into your bank account, or to a prepaid debit card, eliminating mail, delays, and trips to the bank.

And so, you have two options. You either get direct deposit where you sign up for a bank account with your local bank or credit union

and get your payments electronically or you can sign up for what they call a Direct Express Debit Card which is a government-backed prepaid debit card

that allows you to receive federal benefit payments. So those were the two options that you had. So, you know, to sign up for direct deposit,

if you have an online account you can go to your Social Security account and do it that way or you can call 1-800-772-1213 for help.

You can also sign up for Direct Express. So, I'm going to take you to a government website called god direct.govand where you can go

and do everything right there. So, let me share this with you very quickly before we go to the Direct Express debit card site. So, this is the Go Direct website.

It says that to prtect against increasing mail theft and financial fraud, the federal government will stop sending paper checks after September 30, 2025, except in limited cases, federal benefit

payments need to be electronically deposited into a bank account or credit union or Direct Express Debit MasterCard. So these are the steps. You can enroll directly online

or you can call the number on the screen or you can download the form and email it to So if you go directly to the website, you can see all three options

and take the necessary steps to do so. Now, if you're doing direct deposit, you'll need your Social Security number, information about your most recent federal government check, your financial institution's routing number, and your account number.

So, that's the information you need to sign up for direct deposit. If you're doing Direct Express, you'll have to call 1-800-246-3647,

sorry, 1-800-246-3647. That's the number you see on the screen there. I'm going to repeat that again. 9877874-6347. You'll need your Social Security number,

information about your most recent federal benefit payment or claim number, and your date of birth. So those are the two options that you have. So if you’re one of those seniors

who isn’t aware of what happened to your Social Security check and you’re frustrated that you haven’t received your Social Security since September 30th,

then you need to take these two steps. I’ve been getting comments on my videos about some of you saying that you haven’t received your check in a while.

That’s what’s happening. So, decide where you want to go and what option is right for you. Either direct deposit because you have a bank account through a local bank or credit union

or you’re going to go the Direct Express debit card route. And if you’re going to go the Direct Express debit card route, you’re going to have to go to their website which is usdirectxpress.com.

I’m going to share this website very quickly before I move on to the next thing. So, here’s what the website looks like. The Direct Express Card is backed by the United States Treasury Department as a card

that allows you to receive government benefit payments. It has very low fees. It works like a regular debit card and you can use it to make purchases online, make purchases in person,

make purchases over the phone, get cash advances, etc., just like a regular ATM debit card. Now, you need to act now

so that if you decide to make this choice, it will take some time for them to process your information. And so the sooner you call them, the sooner you will get your money back.

But the most important thing is that you need to go to the godirect website and decide which option you want to choose. And once you have decided,

there are instructions on what to do if you want direct deposit or what to do if you want direct express. So that's the first thing that's already happened

that many seniors are frustrated because they're not getting their Social Security oh check and they don't know what's going on or why the payment has been stopped. So that's number one. Okay. Now number two has to do with Social Security overpayments.

And a lot of seniors aren't getting their Social Security check because all of a sudden their Social Security checks stopped and they're wondering what happened, how did this happen? Well,

It's because of an overpayment from Social Security. And what does that mean? It means that you're getting more Social Security benefits or more disability benefits.

They're sending you more money than you're entitled to for whatever reason. It mostly has to do with the fact that you didn't report your employment information fast enough or accurately enough

or you didn't report it at all. And so they were paying you more than you were entitled to and suddenly you were overpaid from Social Security

and they were taking your check or maybe 50 percent of your check and using it to pay back the money. If you are in this situation, call the Social Security Administration

and tell them that you want to appeal the decision or that you want to apply for a waiver because if you are taking money that you cannot afford to take, you have rights.

And one of the rights that you have is the right to appeal and to apply for a waiver by showing financial hardship that you cannot afford to pay the amount that

they are asking you to pay. This is very important. And if you are not getting your full check or your full check, this is a step that you need to take as soon as possible.

The third change that's happening, and before I get into that, if you want to stay on top of all of this, news updates, anything in and out of Congress that could affect your benefits, your retirement, your finances,

Join the thousands of seniors who are getting text messages from me, one or two text messages a week from me alerting you to important information that you need to be aware of.

Text the word Insider to 443-2930080. You'll be added to my text list and you'll start receiving text messages, one or two messages.

The service is free to you and you get a lot because you'll be up to date on the things that you absolutely need to know to protect your benefits and your finances.

So, the third thing that's happened is that Social Security will start sending you notices about the 2026 changes. And so they're going to start sending you a letter

And you had until November 19th to see if you could see the changes online before the Social Security mail check. So November 19th was the deadline. All Social Security retirees have until November 19th to do this.

What should you do? Okay, let's go through this and then I'll tell you what it means for you if you haven't done it. So, the Social Security Administration recently announced

that the 2026 Cost of Living Adjustment benefits are expected to increase by 2.8 percent next year. So, if you have your Social Security account online, you can log in now.

Today is November 28th, 29th. Um, you can log in now and access it. But if you don't have a Social Security account, you're going to have to wait for the letter to come out telling you

how much you're going to get in January. And so you had until November 19th to make this change so you could see your Social Security increase information online.

Now, if you missed that window, that's a toll. But here's the good news. They've said they'll start sending out letters soon. And so within the next week or two,

you should get a letter from the Social Security Administration telling you your Social Security cost-of-living increase and how much your check is going to be on January 1st.

Remember, Social Security pays out a month behind schedule, so you'll have to wait until February to see the increase in your bank account. So that's the first part of my video. The second part of my video is the most interesting part because I'm talking about.

Things that are going to happen next year that are going to put more money in your pocket. And I've been saying for a while now that there's legislation in Congress that's going to increase Social Security benefits for seniors that I've been talking about

And one in particular I'm really excited about is called the Social Security Expansion Act. Now, there are five things in the Social Security Expansion Act that are going to put more money in your pocket.

And I've been doing this for 15 years. This is the one piece of legislation that I think is going to help you increase your benefits in ways that make sense. So, let's get into it.

There are two provisions that I'm excited about. Let me share my screen again and show you exactly what I mean. So, the first one is

That the Social Security Expansion Act is going to give seniors an immediate $200 increase. If you're talking about, you know, if you're worried about inflation, there's two increases. One is 200, one is 660.