The U.S. government has been in a partial shutdown since October 1, 2025, and it’s creating uncertainty across the country.
With many federal employees without pay and public services like national parks disrupted, millions of Americans who depend on Social Security are anxious.
The big question remains Will their checks still arrive? Here’s what the latest updates show and why there’s some relief, at least for now.
Key Takeaways:
- Social Security payments are continuing as usual, even during the shutdown.
- The 2026 COLA announcement is delayed to October 24 due to furloughs.
- SSA offices are open but understaffed, causing longer wait times and slower service.
- Online tools like “my Social Security” remain fully functional.
- If the shutdown lasts beyond 30 days, backlogs and delays could start affecting future benefits.
Social Security Payments Remain Secure
There’s good news for retirees, disabled individuals, and survivor beneficiaries your monthly checks are safe.
These payments are classified as mandatory spending, meaning they are not tied to Congress’s yearly budget debates.
According to the Social Security Administration (SSA), October payments were issued on schedule, and November payments are expected to go out without any delay.
For the 74 million Americans who rely on these checks for daily expenses like rent, groceries, and healthcare, that’s welcome reassurance.
However, the shutdown is still creating disruptions in other SSA operations, and concerns are rising about what happens if the situation continues for weeks.
How the Shutdown Affects Social Security
Here’s how Social Security services are being impacted right now:
- Payments Continue: Retirement, disability, SSI, and survivor benefits are going out as usual.
- COLA Announcement Delayed: The 2026 cost-of-living adjustment (COLA) update has been moved to October 24. Experts expect a 2.7% to 2.8% increase, which could mean an extra $50–$54 per month for the average recipient.
- Limited Office Operations: Local SSA offices are open but with reduced staff. New applications, Medicare card replacements, and record corrections are on hold. Wait times for phone and in-person assistance have doubled in several areas.
- Online Tools Working Smoothly: The “my Social Security” portal continues to operate normally, allowing users to manage benefits online.
| Aspect | Status During Shutdown | Key Impacts |
|---|---|---|
| Benefit Payments | Continuing on schedule | No delay in SSDI, SSI, or survivor checks |
| COLA Announcement (2026) | Delayed to Oct 24 | Estimated 2.7–2.8% rise; tariffs may affect inflation |
| Office Services | Limited operations | Applications and Medicare card replacements paused |
| Long-Term Risks | Possible backlogs if prolonged | Could slow 2026 COLA or pressure SSA trust funds |
Why the Government Shutdown Still Matters
Even though your check is secure, the ripple effects are serious. Thousands of SSA employees are furloughed, increasing delays and halting many in-person services.
Those needing to appeal claims or apply for new benefits must wait until the government reopens.
The frustration is visible online. Many users are thankful that the payment system still works, while others criticize the government for failing to protect critical services.
Some worry that a longer shutdown beyond 30 days could lead to administrative pileups, potentially delaying the next COLA rollout.
At the same time, rising Medicare Part B premiums, expected to reach $206.50 in 2026, could offset much of the COLA benefit for seniors on fixed incomes.
What Lies Ahead
The Senate is scheduled to vote on October 20, 2025, at 5:30 p.m. ET to resolve the shutdown.
However, with debates over health care subsidies and spending cuts still dividing lawmakers, a quick resolution seems unlikely.
The economic cost is estimated at $1.5 billion per week, and continued political gridlock could worsen SSA delays.
For now, your Social Security payments remain secure, and the SSA’s online systems can help manage your account.
The October 24 COLA update will provide a clearer picture of what your 2026 benefits may look like. Until then, patience is key as the government works to end the stalemate.
