As November approaches, millions of Social Security recipients, including those on Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), are preparing for their upcoming payments.
The Social Security Administration (SSA) has announced average payments of $698 for SSI recipients and $1,539 for SSDI beneficiaries. These averages vary significantly based on individual work history, filing age, and income level.
Here’s everything you need to know about the November SSI and SSDI payment schedules, eligibility requirements, and maximum benefit amounts.
November Payment Schedule for SSI and SSDI
SSI Payment Dates
For November, SSI recipients will receive two payments:
- November 1: This is the regularly scheduled monthly payment for November.
- November 29: This is an early payment for December due to December 1 falling on a Sunday.
The second November payment on November 29 is intended to cover December’s benefit, so recipients should plan their budgets accordingly.
SSDI Payment Dates
SSDI payment dates are based on the beneficiary’s date of birth:
- November 1: Only SSDI recipients who also receive SSI or started receiving SSDI before May 1997 will get their payment on this date.
- November 13: SSDI recipients born between the 1st and 10th of the month.
- November 20: SSDI recipients born between the 11th and 20th of the month.
- November 27: SSDI recipients born between the 21st and 31st of the month.
Summary of November Payment Dates
| Date | Payment Type | Eligibility |
|---|---|---|
| November 1 | SSI and SSDI | SSI recipients and SSDI recipients who qualify |
| November 13 | SSDI | Birthdates from 1st to 10th |
| November 20 | SSDI | Birthdates from 11th to 20th |
| November 27 | SSDI | Birthdates from 21st to 31st |
| November 29 | Early SSI payment for December | All eligible SSI recipients |
Maximum Payment Amounts for SSI and SSDI
SSI Maximum Amounts
For SSI recipients, the SSA determines benefit amounts based on financial need, with set maximums:
- Individual: Up to $943
- Eligible Married Couples: Up to $1,415
- Essential Persons (a person who supports an SSI recipient): Up to $472
These amounts will increase slightly with the 2025 Cost-of-Living Adjustment (COLA) in December, raising individual benefits to $967 and eligible couples to $1,450.
SSDI Maximum Amounts
SSDI payments are based on an individual’s earnings history and the duration of employment in SSA-covered jobs. The maximum monthly SSDI payment is significantly higher for high earners:
- Up to $3,822 for those with a high earnings record of at least 35 years.
The COLA boost will also apply to SSDI payments in January 2025, increasing monthly amounts for eligible beneficiaries.
Who Qualifies for November 1 SSDI Payments?
SSDI recipients receiving a payment on November 1 must meet one of the following criteria:
- Dual Recipients: Those who qualify for both SSI and SSDI receive their payments on the SSI schedule, which is the 1st of the month.
- Pre-May 1997 Recipients: Those who started receiving SSDI benefits before May 1997 are scheduled for the 1st of each month.
Recipients who don’t meet these criteria will receive their payments based on their date of birth, as outlined in the SSDI schedule.
Planning Ahead for the COLA Increase
The SSA’s 2025 COLA increase will take effect in December for SSI recipients and in January 2025 for SSDI recipients. This adjustment aims to help recipients manage the rising cost of living. Here’s what to expect:
- SSI COLA Adjustment: The December 31 payment will reflect the 2025 COLA increase.
- SSDI COLA Adjustment: The January 2025 payment for SSDI recipients will include the COLA increase.
The November payment schedule for SSI and SSDI ensures that recipients receive their benefits on time, with SSI recipients benefiting from an additional early payment at the end of November to cover December’s needs.
With the upcoming COLA adjustment, recipients can also look forward to increased benefits to help meet inflationary pressures in the coming year.
