November brings shorter days, the festive spirit of Thanksgiving, and for many, the anticipation of their next Social Security payment. Knowing when to expect these payments can help recipients manage their finances better, especially during the holiday season.
Let’s break down the Social Security Administration (SSA) payment schedule for November and what recipients should expect.
Payments
Social Security payments vary based on the type of benefit you receive and your birthdate. Here’s a closer look:
- Supplemental Security Income (SSI): Typically paid on the 1st of each month. If the 1st falls on a weekend or holiday, payments are issued on the preceding business day.
- General Social Security Benefits: Payments are distributed on Wednesdays based on your birthdate.
- Special Cases: If you started receiving benefits before May 1997, payments are made on the 3rd of the month.
November 2024 Payment Schedule
Here’s the detailed payment schedule for November:
| Beneficiary Category | Payment Date |
|---|---|
| Recipients of SSI | November 1 (paid) |
| Birthdate between the 1st and 10th | November 13 |
| Birthdate between the 11th and 20th | November 20 |
| Birthdate between the 21st and 31st | November 27 |
Additionally, some recipients will get double payments in November. Those receiving SSI will get their December payment early—on November 29—due to December 1 falling on a weekend.
Looking Ahead to 2025
Social Security benefits will see a 2.5% cost-of-living adjustment (COLA) in 2025. While this increase is smaller compared to recent years—3.2% in 2024 and 8.7% in 2023—it reflects stabilizing inflation trends.
Updating Payment Information
Keeping your payment information up to date ensures no disruptions. Here’s how:
- Online Updates: Log into your my Social Security account to update direct deposit details.
- SSI Recipients: Call SSA at 1-800-772-1213 to update banking details.
- Direct Express Card: Sign up for a Direct Express debit card by calling 1-800-333-1795, which allows payments to be directly deposited without needing a bank account.
Reporting Missing Payments
Missing a payment? Here’s what to do:
- Check with Your Bank: Ensure your payment hasn’t been delayed.
- Contact SSA: Call 1-800-772-1213 (TTY: 1-800-325-0778) to report the issue.
- Visit a Local SSA Office: For additional assistance.
Federal Holidays That Impact Payments
The timing of Social Security payments can also be affected by federal holidays. In the U.S., there are 12 federal holidays annually. If a holiday falls on a weekend, it’s observed on the closest weekday. These include:
- Thanksgiving Day: November 28, 2024
- Christmas Day: December 25, 2024
Planning around these holidays ensures recipients are prepared for potential shifts in payment dates.
Whether you’re managing monthly expenses, saving for holiday shopping, or simply staying informed, understanding the Social Security payment schedule helps you plan with confidence.
Stay proactive, update your payment information, and enjoy peace of mind this season.
