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They pay a month behind, so you keep the money, but notify them social security administration makes their monthly payments one behind. This means that the check received each month is in payment of preceding month's benefits 5 most people think social security terms a monthly payments start arriving when you stop working.
Benefits are generally paid on the second Wednesday if the NH was born within the first 10 days of a month, the third Wednesday if born within the 11-20th days and on the fourth Wednesday if born within the 21-31st days. Until 1997, all routine Social Security payments arrived on the third of a month. Unlike now, electronic banking was less popular. Check day, actually that entire week, was always hectic. People who needed to contact a SSA office found it difficult to do so.