With November well underway, many Social Security recipients are preparing to receive their monthly payments. The Social Security Administration (SSA) follows a specific schedule for issuing payments, which varies based on the type of benefit received and the recipient’s birth date.
For many, knowing when to expect their check can make a significant difference in planning their monthly finances, especially as the holiday season approaches.
November Social Security Payment Dates
Payments in November 2024 are issued on different dates based on when a recipient started receiving benefits and their birth date:
| Recipient Category | November Payment Date |
|---|---|
| SSI recipients (pre-May 1997 beneficiaries) | November 1 (already paid) |
| Birthdays on 1st-10th of month | November 13 (Second Wednesday) |
| Birthdays on 11th-20th of month | November 20 (Third Wednesday) |
| Birthdays on 21st-31st of month | November 27 (Fourth Wednesday) |
| December SSI Payment Issued Early | November 29 (due to December 1 falling on a Sunday) |
If your birthday falls between the 1st and 10th, expect your payment on November 13. Those with birthdays between the 11th and 20th will receive their benefits on November 20, while recipients with birthdays from the 21st to the end of the month will see their payment on November 27.
Additionally, SSI recipients will receive their December payment early, on November 29, as December 1 falls on a weekend.
Payment Schedule Adjustments for Federal Holidays and Weekends
SSA adjusts payment dates if the 1st of the month falls on a weekend or holiday. For instance, if the first of the month is a Saturday or Sunday, SSI payments are typically sent on the preceding business day.
This adjustment helps ensure timely support and allows recipients to plan their finances without delays.
2025 Social Security Payment Increase
Social Security recipients can look forward to a 2.5% cost-of-living adjustment (COLA) in 2025. This increase is smaller than recent adjustments, reflecting a cooling inflation trend. Recipients saw a 3.2% increase in 2024 and an unprecedented 8.7% hike in 2023 due to record inflation. The 2025 adjustment aims to help recipients keep pace with rising living costs, though the smaller increase may be noticeable.
Double Payments in November for SSI Recipients
In November, SSI recipients will see two payments due to the holiday schedule. The SSA usually issues SSI payments on the 1st of each month, but because December 1 falls on a Sunday, December’s payment will be made early, on November 29.
This adjustment ensures recipients have their December funds without delay.
Updating Your Payment Information with SSA
If you need to update your direct deposit information for Social Security or SSI payments, follow these steps:
- Social Security Recipients: Log into your my Social Security account at SSA’s website to update your direct deposit information.
- SSI Recipients: Call SSA directly at 1-800-772-1213. Be prepared with your current routing and account numbers.
- Direct Express Debit Card: If you prefer not to use a bank account, the Direct Express debit card is an option. This card allows direct deposit of SSA benefits and is available by calling 1-800-333-1795.
These options help you manage how and where you receive your benefits.
Reporting a Missing Social Security Payment
If your Social Security payment is delayed, SSA recommends first contacting your bank or financial institution to check if there’s a posting delay. Should the delay continue, follow these steps:
- Contact SSA: Call SSA at 1-800-772-1213 (TTY: 1-800-325-0778).
- Visit Local SSA Office: You can also reach out to your local Social Security office if you need in-person assistance.
This payment schedule and guidance can help recipients plan for the month and ensure that they have access to their benefits on time.
