SSDI Recipients to Receive Two Direct Deposits on November 1st: Know Eligibility & More Details

In November 2024, some recipients of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) will receive two payments on the same day, November 1.

This coinciding payment schedule is due to a quirk in the calendar that affects the usual SSDI payment date. Let’s break down how this will happen, who qualifies, and what to expect.

Why Two Payments on November 1?

November 1, 2024, will be a unique payment day for some SSDI and SSI beneficiaries. Here’s why:

1. SSI Payments: Recipients of Supplemental Security Income (SSI) receive their monthly payments on the 1st of every month. This remains unchanged for November.
2. SSDI Payments: Social Security Disability Insurance (SSDI) payments are typically made based on the beneficiary’s birth date. For those whose SSDI payment is scheduled for November 3, there’s an issue—November 3 falls on a Sunday, which is not a business day. As a result, the Social Security Administration (SSA) will move the SSDI payment to November 1, the closest business day.

This overlap means that individuals who qualify for both SSI and SSDI will receive two direct deposits or checks on November 1—one for each program.

Who Will Receive Two Payments?

To receive two payments on November 1, you must meet the following criteria:

1. Qualify for SSI: You must be an active recipient of Supplemental Security Income.
2. Qualify for SSDI: You must also be eligible for Social Security Disability Insurance payments.
3. No Rule Violations: You must continue to meet all eligibility criteria for both programs without violating any Social Security rules.

November Payments and the Upcoming COLA Increase

While two payments will arrive for eligible recipients on November 1, it’s important to note that these payments will not reflect the 2.5% Cost-of-Living Adjustment (COLA) recently announced by the SSA.

• SSI Recipients: The COLA increase for SSI recipients will go into effect on December 31, 2024. Until then, the maximum SSI payment remains at $943 for individuals and $1,415 for eligible couples.
• SSDI Recipients: Those receiving SSDI will see the COLA adjustment in their January 2025 payments.

SSI and SSDI Payment Amounts for November

Here’s what you can expect for November payments:

• SSI Payments:
  • Maximum for individuals: $943 (before COLA).
  • Average payment: $698.
  • Maximum for married couples: $1,415 (before COLA).
• SSDI Payments:
  • Maximum SSDI benefit: $3,822.
  • Average SSDI payment: $1,539.

After the COLA increase, these payments will rise:

• SSI Payments will increase to a maximum of $967 for individuals and $1,450 for couples.
• SSDI Payments will reflect the 2.5% COLA starting in January 2025.

Payment Type	November 2024 Amount	COLA Increase (December 31 for SSI, January 2025 for SSDI)
SSI (Individual)	$943 (Max), $698 (Avg)	$967 (Max)
SSI (Couples)	$1,415 (Max)	$1,450 (Max)
SSDI (Individual)	$1,539 (Avg), $3,822 (Max)	Will reflect COLA increase in January 2025

What You Need to Do

If you qualify for both SSI and SSDI, there is nothing extra you need to do to receive your payments on November 1, 2024.

The SSA will automatically deposit both payments into your bank account or mail your checks if you are not set up for direct deposit.

To ensure you receive your payments smoothly:

1. Verify your eligibility: Make sure your SSI and SSDI eligibility is up to date and that you meet all program requirements.
2. Ensure direct deposit details are accurate: Double-check that your bank information is up to date to avoid any delays in receiving your payments.
3. Track your payments: You can check your payment status through your My Social Security account online.

If you are eligible for both SSI and SSDI, you can expect a helpful financial boost in November 2024, with two direct deposits arriving on November 1.

Though the COLA increase won’t be applied until later, this double payment day will still provide much-needed assistance to many recipients. Be sure to keep your information updated and plan ahead for your upcoming payments.

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