Social Security retirement, disability, and survivor payments in September 2026 arrive on Wednesday the 9th, 16th, or 23rd depending on your birth date, while SSI is paid Tuesday, September 1, and people who started benefits before May 1997 or receive both SSI and Social Security are paid Thursday, September 3.
🔍 Find your payment day
Answer two questions and this tool shows your exact 2026 payment Wednesdays.
Day of the month you (or the worker whose record you receive on) were born:
Built from the SSA 2026 payment schedule. Informational only.
Key Takeaways
SSI: Tuesday, September 1
Pre-May-1997 beneficiaries and SSI-plus-Social-Security recipients: Thursday, September 3
Birthdays 1st–10th: Wednesday, September 9
Birthdays 11th–20th: Wednesday, September 16
Birthdays 21st–31st: Wednesday, September 23
No holiday shifts this month; October’s SSI payment arrives Thursday, October 1
September 2026 payment calendar
Date
Who is paid
Tue, Sept 1
Supplemental Security Income (SSI)
Thu, Sept 3
Social Security for those who began benefits before May 1997, and anyone receiving both SSI and Social Security
Wed, Sept 9
Social Security, birth date on the 1st through 10th
Wed, Sept 16
Social Security, birth date on the 11th through 20th
Wed, Sept 23
Social Security, birth date on the 21st through 31st
Thu, Oct 1
October SSI
How the schedule is determined
The Social Security Administration pays most beneficiaries on one of three Wednesdays each month, assigned by the birth date of the person on whose record the benefit is paid. If you receive spousal or survivor benefits, the relevant birthday is the worker’s, not yours. Two groups sit outside the Wednesday cycle: people whose benefits began before May 1997, who are paid on the 3rd of the month, and people who receive SSI alongside Social Security, who get SSI on the 1st and Social Security on the 3rd. When the 1st or 3rd falls on a weekend or federal holiday, payment moves to the preceding business day; September 2026 has no such conflict.
What to do if a payment is late
Wait three business days. The SSA asks beneficiaries to allow three additional mailing or processing days before reporting a missing payment.
Check your bank or Direct Express account. Deposits can post at different times of day depending on the institution.
Log in to my Social Security. The online account shows the payment date on record and any notices about changes.
Call 1-800-772-1213. Lines are busiest early in the week and early in the month; midweek afternoons are typically shorter.
Looking ahead: the 2027 COLA
The cost-of-living adjustment for 2027 will be announced in mid-October, once September’s Consumer Price Index data is released, and takes effect with January 2027 payments (December 2026 for SSI). Inflation has run above 3% for much of 2026, which points to an adjustment larger than the most recent ones, but the exact figure depends on third-quarter CPI-W readings. Medicare Part B premiums for 2027, which are deducted from most Social Security checks, are announced separately in the fall and can offset part of the increase.
Other September items for beneficiaries
Medicare open enrollment begins October 15; plan comparison materials start arriving in September.
Earnings limits apply if you are under full retirement age and still working; September is a good time to check year-to-date earnings against the annual limit.
Address or bank changes must be made through my Social Security or by phone; changes take at least one payment cycle to apply.
FAQ
Why is my payment on a different Wednesday than my spouse’s?
Each benefit is tied to the birth date of the worker whose record it is paid on. Two people in the same household can be paid on different Wednesdays.
Can I change my payment date?
No. Payment dates are assigned by the SSA and cannot be moved.
Is the September payment for August or September?
Social Security pays one month in arrears: the payment received in September covers August benefits. SSI pays for the current month.
Full payment calendar for the rest of 2026
Month
SSI
Pre-1997 / SSI+SS
Birthdays 1–10
11–20
21–31
September
Tue, Sept 1
Thu, Sept 3
Wed, Sept 9
Wed, Sept 16
Wed, Sept 23
October
Thu, Oct 1
Fri, Oct 2 (the 3rd is a Saturday)
Wed, Oct 14
Wed, Oct 21
Wed, Oct 28
November
Fri, Oct 30 (Nov 1 is a Sunday)
Tue, Nov 3
Tue, Nov 10 (Nov 11 is Veterans Day)
Wed, Nov 18
Wed, Nov 25
December
Tue, Dec 1
Thu, Dec 3
Wed, Dec 9
Wed, Dec 16
Wed, Dec 23
January 2027 SSI
Thu, Dec 31 (Jan 1 is a holiday)
First payments reflecting the 2027 COLA arrive in January
Two months stand out. In November, both the SSI payment and the second-Wednesday payment shift earlier because of a weekend and Veterans Day, so some households will see two deposits in late October and none until the third week of November. In December, SSI recipients receive their January 2027 payment on December 31, which can look like a double payment on a bank statement but is simply the January benefit arriving early. Neither shift changes the total you receive.
How to read a deposit that looks wrong
The amount changed without notice. Medicare Part B premium adjustments, tax withholding elections, and overpayment recoveries all reduce the net deposit. The my Social Security account shows the gross benefit and each deduction.
Two deposits in one month. Almost always a holiday or weekend shift, as in the November and December examples above.
A missing deposit after a bank change. New direct-deposit details take effect the payment cycle after they are processed. If you switched banks in the last 30 days, the payment may have gone to the old account.
A deposit labeled “Treasury” rather than “SSA.” Federal benefits are paid by the Treasury Department, so the bank description varies by institution.
Setting up direct deposit and Direct Express
The SSA no longer issues paper checks by default. New beneficiaries choose between direct deposit to a bank or credit union account and the Direct Express prepaid debit card, which requires no bank account. Either can be set up or changed through my Social Security, by calling the SSA, or through your bank. Changes should be made at least two weeks before the next payment date to avoid a gap. Beneficiaries who still receive paper checks can expect continued pressure to move to electronic payment, and mailed checks are the most common source of late-payment reports.
Because the schedule is fixed and published a year ahead, it is worth aligning recurring bills with your payment Wednesday rather than the first of the month. Many utilities, insurers, and lenders will move a due date on request, and shifting a mortgage or rent payment to fall a few days after your deposit removes the most common cause of overdraft fees among beneficiaries. This page is updated each month and again when the SSA publishes the following year’s schedule, so bookmarking it gives you a single reference for the whole year.
Sources
Social Security Administration, Schedule of Social Security Benefit Payments 2026
The Social Security cost-of-living adjustment for 2027 will be announced in October 2026, based on inflation data from the third quarter — and it determines how much benefit checks rise in January.
Key Takeaways
Announcement: mid-October 2026, after September inflation data
Formula: CPI-W change from Q3 last year to Q3 this year
Takes effect with January payments
Medicare Part B premium changes can offset part of the raise
How the COLA is calculated
The adjustment is not a policy decision made each year — it is a formula. The Social Security Administration compares the average CPI-W (a consumer price index tracking urban wage earners) for July, August, and September against the same three months of the prior year. The percentage increase becomes the COLA. If prices fall, the law prevents benefits from decreasing; the COLA simply becomes zero.
This is why the announcement always lands in mid-October: the September inflation report is the final input, and it publishes in the first half of that month.
A short history of the adjustment
Before 1975, benefit increases required an act of Congress, which meant raises were irregular and politically contentious. Automatic annual adjustments were introduced to depoliticize the process and guarantee that inflation would not silently erode retirement income. Since then the COLA has ranged from zero in several low-inflation years to double digits during the high-inflation stretch of the early 1980s, with a notable spike again in the recent inflation surge. That variability is the point: the formula tracks conditions rather than expectations.
What if inflation falls between now and the announcement?
Only July, August, and September figures count. Price moves in October or later shift the following year’s calculation, not this one.
The Medicare offset most people forget
A COLA raises the gross benefit, but the Medicare Part B premium is deducted from most Social Security checks — and that premium is announced separately, typically in November. When the premium rises faster than the COLA, the net increase in a check shrinks or disappears entirely.
There is a protection worth knowing: the hold harmless provision generally prevents a Part B premium increase from reducing a beneficiary’s net Social Security payment below the prior year’s amount. It does not apply to everyone — new enrollees and higher-income beneficiaries paying IRMAA surcharges fall outside it.
What else changes with the COLA
Item
Effect
Retirement and disability benefits
Increase by the COLA percentage in January
SSI payments
Increase, typically effective at the end of December
Taxable earnings cap
Adjusts with wage growth — affects payroll taxes for higher earners
Earnings test limits
Rise, letting working beneficiaries earn more before withholding
Where to see your own number
SSA posts personalized COLA notices in the Message Center of my Social Security accounts in early December, and mails paper notices as well. Creating an online account before December is the fastest route — it also lets you verify your earnings record, which is worth doing annually since errors there directly reduce future benefits.
Planning around the announcement
Two practical notes. First, treat the COLA as inflation catch-up rather than a raise — by design it restores purchasing power rather than adding to it, and many retirees report that their personal cost mix (heavily weighted toward healthcare and housing) rises faster than the index used. Second, if you are deciding when to claim benefits, COLAs apply to your benefit amount whether or not you have started collecting, so delaying does not cost you the annual adjustments.
FAQ
Why does the COLA use CPI-W instead of a seniors’ index?
CPI-W is written into the law. An alternative index weighted toward medical costs (CPI-E) has been proposed repeatedly but has not been adopted.
When exactly will 2027 checks reflect it?
January 2027 payments, following the SSA payment calendar based on your birth date.
Do COLAs apply to survivor and spousal benefits?
Yes — the adjustment applies across Social Security benefit types, including survivor, spousal, and disability payments.
How the COLA math actually works
The adjustment compares the average CPI-W index for July, August, and September of this year against the same three months last year. The percentage increase, rounded to the nearest tenth, becomes the COLA. That is why nothing announced before mid-October can be final: the September CPI report, released in October, is the last of the three inputs. If inflation cools sharply in the third quarter, the COLA lands below summer estimates; if it stays elevated, the final number can exceed them. Estimates published over the summer by advocacy groups are projections of this formula, not official figures.
What a COLA means in dollars
Because the COLA is a percentage, the dollar impact depends on your benefit. A 3% adjustment adds $30 a month to a $1,000 benefit and $60 to a $2,000 benefit. Two deductions can offset part of it: the 2027 Medicare Part B premium, announced separately in the fall and deducted from most checks, and tax withholding if you have elected it. The “hold harmless” rule protects most beneficiaries from a net decrease when Part B rises faster than the COLA, but it does not apply to everyone — high-income beneficiaries paying IRMAA surcharges and new enrollees can see the full premium increase.
Dates that follow the announcement
Mid-October: official COLA announcement, minutes after the September CPI release.
Late November–December: COLA notices posted to my Social Security accounts and mailed; the online notice arrives first.
December 31: SSI recipients receive the first adjusted payment (the January payment, paid early because January 1 is a holiday).
January 2027: adjusted Social Security payments begin on the regular birth-date schedule.
Quick answer: Go to ssa.gov/retirement, sign in with your my Social Security account, and complete the online application. You can apply up to four months before the month you want benefits to start, as long as you are at least 61 years and 9 months old. Most people finish in under 30 minutes and receive a decision within a few weeks. Before you apply, check your estimates, because the month you choose locks in your benefit amount for life.
Key Takeaways
Apply online at ssa.gov/retirement up to 4 months before you want benefits to start; you must be at least 61 years and 9 months old
The online application takes about 15-30 minutes and can be saved and resumed
You need a my Social Security account, your work history, bank details for direct deposit, and (if applicable) marriage and military records
Processing usually takes 2-6 weeks; first payment arrives the month after your entitlement month
Applying is not the same as deciding when to claim: run the estimates first, since claiming early permanently reduces your benefit
Who can apply online
You can use the online application if you are at least 61 years and 9 months old, are not currently receiving Social Security benefits on your own record, have not already applied for retirement benefits, and want benefits to start no more than four months in the future. If you are applying for spousal or survivor benefits only, or you live outside the United States in certain countries, you may need to apply by phone or at a field office instead. Medicare-only applicants (age 65 who want to delay retirement benefits) can also apply online through a separate path.
Decide when to start before you apply
Applying and claiming are two different decisions. Your benefit is reduced permanently for every month you claim before full retirement age (67 for anyone born in 1960 or later) and increased for every month you delay up to age 70. Sign in to my Social Security first and look at the estimates for 62, full retirement age, and 70; the difference between the earliest and latest amounts is typically more than 75%. If you are still working before full retirement age, remember that earnings above the annual limit temporarily reduce payments. Read our guide on full retirement age and claiming ages before choosing a start month.
What to gather
Your Social Security number and date and place of birth
Bank routing and account numbers for direct deposit
Name of your current or last employer and dates of employment for the past two years, plus estimated earnings for this year and last
Marriage details: spouse’s name, date of birth, SSN, and dates of marriage and divorce (for any marriage lasting 10 or more years)
Military service dates if you served before 1968
Whether you or your spouse have a pension from work not covered by Social Security
You usually do not need to upload documents to apply online. If SSA needs proof (for example a birth certificate or marriage certificate), it will tell you what to send after you submit.
How to apply step by step
Create or sign in to your my Social Security account at ssa.gov/myaccount (identity verification through Login.gov or ID.me).
Go to ssa.gov/retirement and select “Apply for Retirement Benefits.”
Confirm your identity and personal details, then answer questions about work history, marriage, and children.
Choose the month you want benefits to begin. The application shows how that month affects your amount.
Enter direct deposit information (or choose the Direct Express card if you have no bank account).
Review the summary, electronically sign, and submit. You will receive a confirmation number and a re-entry number to check status.
You can save your progress and return within 6 months, and you can check status in your my Social Security account under “Application Status.”
What happens after you submit
SSA reviews the application and may call or write if it needs more information. Most retirement claims are decided within two to six weeks. Once approved, you receive an award letter showing your benefit amount, start date, and payment day (second, third, or fourth Wednesday of the month depending on your birth date). Payments are made the month after they are due, so a benefit for June arrives in July. If your claim is denied or the amount looks wrong, you have 60 days to request reconsideration.
Applying for Medicare at the same time
If you are turning 65, the retirement application lets you enroll in Medicare Part A and Part B at the same time. If you want to delay retirement benefits but still need Medicare, choose the Medicare-only application. Enrolling late in Part B can carry a lifetime penalty unless you have employer coverage from active work.
Common mistakes
Choosing the earliest possible month without checking how much the reduction costs over a lifetime.
Forgetting a prior marriage that lasted 10 years or more, which can affect spousal benefit options.
Not reporting a pension from non-covered government work.
Entering the wrong bank details; the first payment can be delayed by weeks if a deposit is rejected.
Applying more than four months before the intended start month (the system will not accept it).
FAQ
Can I apply by phone or in person? Yes. Call 1-800-772-1213 or make an appointment at a local office, though online is fastest.
Can I change my mind after applying? You can withdraw your application within 12 months of first payment (repaying benefits received) and later reapply at a higher age.
Do I need to stop working? No, but earnings above the annual limit before full retirement age temporarily reduce payments.
How far in advance should I start the process? Create your account and review estimates a year ahead; submit the application three to four months before your intended start.
Will SSA tell me the best age to claim? No. SSA explains the rules but does not give personalized advice; consider a fee-only planner for complex situations.
Last updated: August 17, 2026. Written by the InfoBrief Editorial team. We link to official sources and update articles when facts change. See our disclosure.
Quick answer: Log in to your my Social Security account at ssa.gov/myaccount, open Benefits & Payments, and update your bank routing and account numbers. You can also call 800-772-1213 or ask your bank to submit the change. Allow 30 to 60 days for the switch to take effect.
Key Takeaways
Change your bank in a my Social Security account, by phone, or via your bank
Allow 30-60 days for the switch
Keep the old account open until the first new deposit arrives
SSA never calls to demand payment or move money
Why direct deposit
Direct deposit is faster, cannot be lost or stolen in the mail, and is required by federal rules for most beneficiaries. Paper checks are being phased out except for limited exceptions.
Option 1: Online
Sign in at ssa.gov/myaccount (create an account with ID.me or Login.gov if needed).
Select Benefits & Payments → Update Direct Deposit.
Enter the routing number and account number from a check or your bank’s app.
Confirm. Keep the old account open until the first deposit arrives in the new one.
Option 2: By phone
Call 800-772-1213 (TTY 800-325-0778), weekdays. Have your SSN and new account details ready.
Option 3: Through your bank
Many banks can submit the enrollment on your behalf. Ask at a branch or through customer service.
No bank account?
The Direct Express debit card lets you receive payments without a bank account. Enroll at usdirectexpress.com or by phone.
Protecting your account
Scammers often try to redirect benefits by changing deposit details. SSA will never call and demand payment or ask you to move money. If you get an unexpected letter saying your deposit was changed, contact SSA immediately.
FAQ
When is my payment date? Payments are scheduled by birth date: second, third, or fourth Wednesday of the month, or the 3rd for some older claims and SSI on the 1st.
Can I split my payment between two accounts? No, only one account per benefit.
Does the same process work for SSI? Yes, SSI uses the same channels.
Setting up direct deposit when you first claim benefits
If you are applying for retirement, disability, or survivor benefits for the first time, bank details are entered directly in the application at ssa.gov rather than as a separate step afterward.
Have a voided check or your bank’s routing and account numbers ready; both appear in most banking apps under account details. Select checking or savings correctly, since a mismatch is a frequent cause of a rejected first payment. If you apply by phone or in person, the representative collects the same information.
If you do not provide bank details, SSA offers the Direct Express debit card rather than a paper check, since paper checks are being phased out for nearly all beneficiaries.
Changing banks without missing a payment
The safe sequence matters more than the method. Open the new account first, then update SSA, then wait until at least one payment has posted to the new account before closing the old one.
SSA processes changes on a monthly cycle. An update made early in the month may take effect the following month; one made late in the month may take two cycles. During that window a payment could still route to the old account, which is precisely why keeping it open matters. If the old account has already closed, the deposit bounces back to Treasury and SSA reissues it, a process that can take several weeks.
If you are switching because of fraud or a bank problem, say so when you make the change, so SSA can flag the record.
Redirect fraud, and how to make your account harder to attack
Diverting benefit payments is a recurring form of fraud, usually accomplished by phishing a beneficiary’s my Social Security credentials or by calling while impersonating SSA.
Three facts protect you. SSA does not call to demand payment, threaten arrest, or ask you to move money to a “safe” account. SSA does not text links asking you to verify your deposit information. And any letter stating that your direct deposit was changed when you did not change it should trigger an immediate call to SSA.
On the defensive side, enable two-factor authentication on your my Social Security account and consider asking SSA to add a block preventing direct deposit changes by phone, which forces any change to go through channels a remote attacker cannot easily use.
Representative payees
If you receive benefits on behalf of someone else as a representative payee, the account must be titled to show the beneficiary’s ownership and your fiduciary role, for example “Jane Doe by John Doe, representative payee,” and the funds must be kept separate from your own money.
Updates go through your own payee portal or by contacting SSA directly; the beneficiary’s login cannot be used for this. Payees also file an annual accounting of how funds were spent, so keeping records of deposits and expenditures from the start avoids reconstructing a year of transactions later.
If a payment does not arrive
Wait three business days past your scheduled date, since bank posting times vary. Then check your my Social Security account to confirm the payment was issued and which account is on file. Call your bank to verify nothing was rejected. If the payment was issued but never received, contact SSA to request a trace and reissue.
One structural detail explains a common confusion: benefits are paid in arrears, meaning the payment you receive covers the previous month. People expecting a payment in their first month of entitlement often think something has gone wrong when nothing has.
Last updated: August 16, 2026. Written by the InfoBrief Editorial team. We link to official government and company sources and update articles when facts change. See our disclosure.
Quick answer: If you were born in 1960 or later, your Social Security full retirement age (FRA) is 67. You can start benefits as early as 62 at a permanently reduced amount, or wait until 70 to receive the maximum monthly benefit.
Key Takeaways
Full retirement age is 67 for anyone born in 1960 or later
Claiming at 62 permanently reduces benefits by about 30%
Delaying to 70 adds roughly 8% per year
Check your personal estimates in a my Social Security account
Claiming Age Comparison
Enter your benefit at full retirement age and see what claiming at 62, at FRA, and at 70 pays monthly, plus the break-even ages between them.
Estimate using the standard reduction and delayed retirement credit formulas: benefits are reduced 5/9 of 1% per month for the first 36 months early and 5/12 of 1% for additional months, and increased 2/3 of 1% per month (8% per year) for delaying past FRA up to 70. Cost-of-living adjustments, taxes, and the earnings test are not modeled. Get your actual figures from your Social Security Statement at ssa.gov/myaccount.
Full retirement age by birth year
Birth year
Full retirement age
1943–1954
66
1955
66 and 2 months
1956
66 and 4 months
1957
66 and 6 months
1958
66 and 8 months
1959
66 and 10 months
1960 or later
67
What happens if you claim early
Claiming at 62 with an FRA of 67 reduces your monthly benefit by about 30% for life. The reduction shrinks the closer you get to full retirement age. Early claiming can still make sense if you need income, have health concerns, or have a shorter life expectancy, but the cut is permanent.
What happens if you wait past FRA
Each year you delay between your FRA and age 70 adds roughly 8% to your benefit through delayed retirement credits. There is no benefit to waiting past 70. Someone with an FRA of 67 who claims at 70 receives about 24% more per month than they would at 67.
Working while receiving benefits
If you claim before FRA and keep working, the Social Security Administration withholds part of your benefit once your earnings pass an annual limit, which is adjusted every year. Once you reach FRA the limit disappears, and your benefit is recalculated to credit the withheld months.
How to check your own numbers
Create a free my Social Security account at ssa.gov/myaccount. It shows your earnings record and personalized estimates for claiming at 62, FRA, and 70. Review the earnings record for errors, since your benefit is based on your highest 35 years of indexed earnings.
FAQ
Is full retirement age the same for Medicare? No. Medicare eligibility begins at 65 regardless of your Social Security FRA.
Can my spouse claim on my record? Yes. Spousal benefits can be up to 50% of your FRA benefit and are also reduced if claimed before the spouse’s own FRA.
Do benefits increase with inflation? Yes. Cost-of-living adjustments (COLA) are applied annually and are announced each October.
The break-even question, and why it is only half the answer
The most common way to compare claiming ages is the break-even age: the point at which the larger delayed checks catch up to the smaller early ones. For someone whose full retirement age is 67, claiming at 62 versus 67 typically breaks even somewhere in the late 70s to around 80. Waiting from 67 to 70 usually breaks even in the early 80s. Live past those points and delaying wins; die before them and claiming early wins.
The reason this is only half the answer is that break-even math treats Social Security as an investment rather than as insurance. Its real function is protection against the risk of living a long time and running out of money. Viewed that way, delaying is not a bet that you will live long; it is a purchase of protection in case you do. That reframing changes the decision for many people, particularly the higher earner in a married couple, because their benefit becomes the survivor benefit that continues after the first death.
Situations that override the standard table
Several rules can change the calculation entirely, and each catches people by surprise.
A pension from non-covered work. If you earned a pension from a job that did not pay Social Security taxes, such as some state and local government positions, the Windfall Elimination Provision and Government Pension Offset have historically reduced your benefit or your spousal benefit. Congress has changed these rules, so check the current status on ssa.gov rather than relying on older guidance.
Divorce after a marriage of ten years or more. You can claim on an ex-spouse’s record without affecting them in any way, and without their involvement or knowledge. Many people never learn this and leave money unclaimed.
Survivor benefits. A widow or widower can claim survivor benefits as early as 60 (50 if disabled) and switch to their own retirement benefit later, or claim their own first and switch to survivor benefits at full retirement age. This sequencing flexibility does not exist for regular retirement benefits and can be worth a substantial amount.
Disability benefits. These convert automatically to retirement benefits at full retirement age at the same dollar amount, so there is no claiming decision to make.
Working while collecting, before and after full retirement age
If you claim before full retirement age and keep working, Social Security withholds part of your benefit once your earnings exceed an annual limit that changes every year. In the years before the year you reach full retirement age, $1 is withheld for every $2 above the limit. In the year you reach it, the formula loosens to $1 for every $3 above a higher limit, counting only the months before your birthday. From full retirement age onward there is no limit at all.
The word “withheld” matters more than it sounds. Those dollars are not lost. Once you reach full retirement age, Social Security recalculates your benefit upward to credit the months in which payments were withheld. Over time you get the money back. This makes the earnings test far less punitive than most people assume, though it still means claiming early while working full time often accomplishes little.
How to check your own numbers rather than relying on averages
Every figure in this article is a general rule. Your actual benefit depends on your highest 35 years of indexed earnings, and the only reliable source is your own record.
Create a free account at ssa.gov/myaccount, verified through Login.gov or ID.me. Open your Social Security Statement, which shows personalized estimates at 62, at full retirement age, and at 70. Then do the step most people skip: scroll to the earnings record and check it year by year. Missing or understated years are more common than you would expect, usually from an employer reporting error, and each zero year in your top 35 pulls the average down. Errors can be corrected, but the evidence gets harder to produce as time passes.
Last updated: August 15, 2026. Written by the InfoBrief Editorial team. We link to official government and company sources and update articles when facts change. See our disclosure.
