Where’s My Social Security Check? (2 Calls That You Must Make)

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In this community resource guide, you will learn about 2 calls that you will need to make if your Social Security check is missing.

If you are a senior on a fixed income or you have a disability, your monthly Social Security check is important to you. It’s used to pay your rent, buy medications, food, etc. If you have not received your Social Security check this month, don’t panic.

Getting to the bottom of the problem is very easy, especially when you know about the 2 calls that you need to make right away in order to figure out where it is.

If you are in this situation we will explain what those calls are and provide some tips on what to do if your check is late. Stay calm and read on for the information that you need.

Why Is My Social Security Check Late?

Your monthly SSI check may be late for a number of reasons. The Social Security Administration (SSA) is a large bureaucracy and sometimes things get lost in the shuffle. It’s also possible that your check was sent to the wrong address if you have moved recently and did not update your information with the SSA.

The Social Security office that handles your payments may run into difficulties or delays in their operations. Pandemic-related shortages and holiday staff shortages are examples of events that might cause payment processing delays of your Social Security check.

The good news is that there are only two calls that you need to make in order to find out where your check is.

2 Calls That You Will Need To Make To Find A Missing Social Security Check

In order to find a missing Social Security check you will need to make these two phone calls in the order below:

1. Call Your Bank
2. Call The Social Security Administration

In the following sections, I will explain more about each situation and why you need to call them if you did not receive your Social Security check this month.

1.) Call Your Bank First If Your Social Security Check Is Missing

Your first call to find a late, lost, or missing Social Security check is to your bank.  This is according to the Social Security Administration. It may be possible that there was a problem on your bank’s end. They may be delayed in processing the direct deposit from the Social Security Administration.

If this is the case, your bank should be able to tell you when they expect the funds to be available in your account. Some banks are late depositing Social Security checks when there is a holiday weekend. In this case, your check may be deposited on a date after the holiday.

In the event that there are no delays at the bank, you will need to call the Social Security Administration to try and track down the lost Social Security payment.

2.) Call The Social Security Administration Next To Find A Missing SSI Check

You’ll want to call the Social Security Administration at 800.772.1213 to find a missing Social Security check if the bank could not help you. They will be able to tell you if the check was mailed out and when it should have arrived.

The SSA can also tell you if your check was direct deposited into your bank account and on what date. This is useful information to have when you call your bank about a missing Social Security payment.

The information that you will need when contacting SSA about a missing check are:

1. The Claim Number. This is your 9-digit Social Security number followed by 1 or 2 letters like EI, DI, DS, and DC.
2. Offer the payment period for the missing Social Security check.
3. Lastly, you’ll want to provide the name and address on the check.

While you may be eager to get your check as soon as possible, the Social Security Administration does encourage you to wait at least 3 days after you should have received your check to inquire about a missing payment.

How To Find A Social Security Office Near You

If you want to talk to someone in person at a Social Security office about your missing SSI payment, finding a local Social Security office is another option. They can help you to understand why your SSI check was late or missing this month.

To find the closes Social Security office, you’ll need to visit the Social Security website and use their “Find A Social Security Office” tool.

Go to the Social Security website and enter your ZIP Code into the search bar. You’ll get a list of Social Security offices in your area, along with their addresses, phone numbers, and hours of operation.

Conclusion

If you did not receive your Social Security check this month, don’t panic. You will need to make two phone calls in order to track down the missing check. The first call is to your bank and the second is to the Social Security Administration.

By following the steps above, you should be able to find your missing Social Security check without any problems.

While you should not panic if you did not receive your Social Security check, you also should not delay in reporting this to the SSA. The time limit for cashing a Social Security check is one year. After that, then the check is considered void. 

If you have any questions a lost or stolen Social Security check, you’ll want to contact the Social Security Administration at 800.772.1213 for more information.

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