The Social Security Administration (SSA) has confirmed the payment schedule for November 2024, and for some recipients, it means two checks on the same day.
Eligible married couples receiving both Supplemental Security Income (SSI) and Social Security benefits can expect to see their payments arrive on November 1, 2024.
This early November payday is particularly significant for couples who qualify for higher payments due to their marital status. Here’s everything you need to know about these upcoming payments.
Double Payments for Married Couples
For married couples who are eligible for both SSI and Social Security (or SSDI, if disabled), the SSA has scheduled payments for November 1.
This means that recipients will receive both their retirement (or disability) benefits and SSI benefits on the same day. These double payments help ease financial planning for those relying on multiple benefits to cover monthly expenses.
Whether you’re an individual or a married couple, the payout schedule remains the same. However, the payment amount for married couples on SSI is higher than that for individuals, ensuring additional support for those sharing a household.
Why the Same Payday?
The SSA has chosen November 1 as the payment date for both SSI and Social Security retirement benefits to avoid delays typically caused by weekends and holidays.
This efficient scheduling ensures that all recipients—whether individuals or couples—receive their funds without unnecessary waiting periods.
For those wondering if the November payments will include the anticipated 2025 cost-of-living adjustment (COLA), the answer is no. The COLA increase will not be reflected until December 31 for SSI payments and in January 2025 for Social Security retirement benefits.
Payment Amounts for November
Now that you know when the payments will arrive, let’s look at the typical amounts for Social Security and SSI recipients in November. While the actual amount varies depending on eligibility and household size, here’s an overview of the average payments:
| Benefit Type | Average Monthly Payment |
|---|---|
| Social Security Retirement (Individual) | $1,920 |
| Social Security Disability (SSDI) | $1,539 |
| SSI (Individual) | $698 |
| SSI (Senior Aged 65+) | $575 |
| Spouse of Retired Worker | $909 |
| Spouse of Disabled Worker | $421 |
Married couples on SSI generally receive higher payments than individuals. For example, a married couple on SSI can expect to receive a combined amount, which is higher than the average $698 payment for individuals.
If you or your spouse qualify for Social Security retirement benefits in addition to SSI, this can also significantly boost your household income.
What About the 2025 COLA Increase?
The 2025 cost-of-living adjustment (COLA) is expected to increase benefits for many Social Security recipients. However, these changes will not affect November payments.
SSI recipients will see the COLA increase reflected in their December 31 payment, while those on Social Security will notice the adjustment in their January 2025 checks, scheduled for January 3, 8, 15, or 22, depending on their birth date.
Benefits for Spouses
If you’re a spouse of a retired or disabled worker, you may also qualify for Social Security payments. Spouses of retired workers receive an average of $909 per month, while spouses of disabled workers can expect around $421.
These additional benefits can provide much-needed financial relief, especially for couples managing a household on a fixed income.
Planning for November Payments
For couples relying on both Social Security and SSI, receiving two payments on November 1 can make a significant difference in managing expenses.
With the holidays around the corner, it’s important to budget carefully, especially since the next increase in benefits won’t arrive until the end of December or early January.
Here’s a quick look at how the payments fall:
| Payment Type | November Payment Date | Next Payment with COLA |
|---|---|---|
| SSI | November 1, 2024 | December 31, 2024 |
| Social Security | November 1, 2024 | January 2025 |
If you’re an eligible married couple receiving both SSI and Social Security, November 1 is an important date to mark on your calendar.
With double payments coming your way, careful budgeting and planning can help ensure that your financial needs are met throughout the month.
Remember, while the COLA increase is just around the corner, it won’t affect your November payments. Keep an eye out for the increase at the end of the year and plan accordingly.
FAQs
When will married couples receive their November payments?
Couples will receive both SSI and Social Security on November 1, 2024.
Will November payments include the 2025 COLA increase?
No, the COLA increase will not be included in November payments.
How much can a retired worker’s spouse receive in benefits?
Spouses of retired workers receive an average of $909 per month.
What is the average SSI payment for individuals in November?
The average SSI payment for individuals is around $698.
When will the COLA increase appear for SSI recipients?
The COLA increase will appear in the December 31, 2024, SSI payment.
