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When will SNAP EBT cards be reloaded? Delays still possible despite judges’ rulings

October 31, 2025
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When will SNAP EBT cards be reloaded? Delays still possible despite judges’ rulings
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(NEXSTAR) – Just hours before the looming deadline, two judges ruled Friday that the federal government must continue funding SNAP during the government shutdown. However, those expecting food assistance on Nov. 1 may still see delays.

The legal rulings came after a month of back-and-forth since the shutdown began on Oct. 1. At first, the United States Department of Agriculture’s shutdown plan said the agency would use emergency funds to keep food aid going through the shutdown. Later, the Trump administration said that would not be the case.

“Bottom line, the well has run dry. At this time, there will be no benefits issued November 1,” said the USDA, which runs the Supplemental Nutrition Assistance Program.

On Friday, a federal judge in Rhode Island ruled a $5 billion contingency fund must be used to keep SNAP running. The tricky thing is that SNAP benefits cost about $8 billion monthly.

Democratic state attorneys general and governors who challenged the SNAP pause argued a separate fund with $23 billion should also be used to keep food assistance going out to the 1 in 8 Americans who qualify for it. But the courts gave the Trump administration flexibility on whether to fund the program partially or in full for November.

Both judges gave the administration until Monday to provide an update on how they plan to move forward.

Will SNAP benefits be delayed in November?

Despite the courts’ rulings to fund SNAP (at least partially) through November, the immediate future was still unclear.

First off, the judges’ decisions could be appealed, posing a potential delay.

U.S. District Judge John McConnell ordered the USDA to distribute funds “timely or as soon as possible,” but it wasn’t clear how quickly EBT cards could be reloaded even if the money started flowing. That process can take one to two weeks, the Associated Press reports.

Households that qualify for SNAP typically see their benefits reload automatically on an Electronic Benefit Transfer (EBT) card, but each state has its own way of doing things. Many states reload benefits on a rolling basis, using recipients’ last names, case numbers or social security numbers to dole out benefits in batches.

In Arizona, for example, people whose last names start with A or B expect benefits to become available on the first of the month. Last names starting with Y or Z don’t expect new benefits until the 13th. Other states, like Connecticut, have a schedule that pays everyone in the first three days of the month. (See the schedule for your state’s benefits issuance here.)

In practice, that means many families are expecting EBT cards to be reloaded on Saturday, and even a 24-hour delay will force them to find other ways to get food. But others have weeks until they expect to get paid, and may have enough money left on their cards to tide them over.

To make things even more complicated, it’s not even clear that states would stick to their normal schedules if or when funding becomes available. Doing so could risk running out of money before everyone gets their allotment.

The situation is particularly chaotic if the federal government decides to only use the smaller $5 billion contingency fund to operate SNAP, which wouldn’t be enough to pay everyone out through the end of November.

“Such a partial payment has never been made — and for good reason,” the Trump administration argued in court filings. “It would require each state to recalculate the benefits owed based on the reduced funds available. USDA estimates that such a calculation, involving complicated system changes and processes dictated by statute and regulation, would take weeks, if it can be done at all.”

As of Friday afternoon, the USDA’s website had not been updated with next steps following the two rulings.

The post When will SNAP EBT cards be reloaded? Delays still possible despite judges’ rulings appeared first on WHNT.

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