The Social Security Administration (SSA) has announced that Social Security Disability Insurance (SSDI) payments, usually issued on the 3rd of each month, will instead be distributed on November 1, 2024.
This change is due to November 3 falling on a Sunday, a day when banks and SSA offices are closed. Only two groups of SSDI beneficiaries are eligible to receive this early payment: those who began receiving SSDI benefits before May 1997 and those who qualify for both SSDI and Supplemental Security Income (SSI).
Here’s a complete look at who qualifies, payment amounts, and what to expect in the coming months.
SSDI Payment Date Change for November
The SSA typically issues SSDI payments based on recipients’ birth dates, but certain groups receive their payments on the 3rd of the month.
Since November 3 falls on a Sunday, the SSA will release these payments on November 1 to avoid delays. This early payment ensures recipients can access their funds without interruption.
Who Qualifies for the November 1 Payment?
Two groups of SSDI beneficiaries will receive their payments on November 1:
- SSDI Recipients Also Receiving SSI: Those eligible for both SSI and SSDI receive their payments on the same day as SSI, which is the 1st of each month.
- SSDI Recipients Enrolled Before May 1997: Those who have been on SSDI since before May 1997 receive their payments on the 3rd each month but will be paid on November 1 due to the schedule change.
If you fall into either of these categories, you can expect your SSDI funds to be available on November 1.
SSDI Payment Amounts for November
The payment amounts for SSDI beneficiaries in November will remain the same as in previous months. Here’s a breakdown of what to expect:
- Average Payment for Disabled Workers: $1,539
- Maximum Disability Insurance Payment: $3,822
- Average Payment for Children of Disabled Workers: $492
- Average Payment for Spouses of Disabled Workers: $421
These amounts will not change until the 2025 Cost-of-Living Adjustment (COLA) takes effect in January. The COLA increase is set at 2.5%, meaning each recipient’s monthly benefit will see a small boost starting in 2025.
Examples of the 2025 COLA Increase
Recipients can calculate their new benefit amounts with the 2.5% COLA adjustment:
- For a $1,000 Monthly Payment: The new amount will be $1,025.
- For the Average Payment of $1,539: The new amount will increase to approximately $1,577.
- For the Maximum SSDI Payment of $3,822: The new amount will be approximately $3,917.
To view exact payment amounts for 2025 after the COLA increase, beneficiaries can log into their my Social Security account.
SSI and SSDI Payments on the Same Day
For those eligible for both SSI and SSDI, November will be unique as both payments will arrive on November 1.
While SSI typically has only one payment per month, November will bring a second SSI payment on November 29 to cover December’s benefits. This advanced schedule helps recipients manage their funds across both November and December.
The early SSDI payment on November 1 ensures that recipients, particularly those who rely on both SSI and SSDI, have uninterrupted access to their funds. The SSA’s proactive scheduling adjustment benefits millions and avoids potential delays.
With the 2025 COLA increase set to take effect in January, beneficiaries can look forward to a modest boost to help offset rising living costs.
