With Halloween just behind us, Social Security beneficiaries in the United States can look forward to their November payments. The Social Security Administration (SSA) has arranged for several payments on November 1, including early deposits for certain beneficiaries. Here’s a full breakdown of the November payment schedule, eligibility details, and how different benefits line up in terms of amounts.
November 1 Payments
The first Social Security payment date for November is November 1, 2024. This date includes payments for specific groups of retirement and Social Security Disability Insurance (SSDI) beneficiaries, along with Supplemental Security Income (SSI) recipients.
Who Gets Paid on November 1?
- SSI Recipients: November 1 is the regular payment date for SSI recipients. In addition, these beneficiaries will receive their December payment a bit early, on November 29, due to the holiday schedule. This advanced payment means SSI recipients will receive two payments in November, which could be helpful for those facing extra expenses.
- Retirement or SSDI Recipients (Special Group): Retirees and SSDI beneficiaries who began receiving Social Security benefits before May 1997 will also get their payments on November 1. Likewise, individuals who receive both SSI and Social Security benefits will receive their payment on this date.
Other November Payment Dates
For beneficiaries who do not qualify for the November 1 payment, the SSA has scheduled three additional payment dates in November. The specific date depends on the recipient’s birth date:
- November 13: Retirees and SSDI beneficiaries born between the 1st and 10th of any month will receive their payment on November 13.
- November 20: Recipients born between the 11th and 20th will get their payment on November 20.
- November 27: Those born between the 21st and 31st will receive their payment on November 27.
These payments do not include the 2025 Cost-of-Living Adjustment (COLA) increase, which will begin in January 2025.
Payment Amounts
The amount that Social Security beneficiaries receive varies based on the type of benefit and individual work history. Here’s an overview of average payments across different beneficiary categories:
| Benefit Type | Average Monthly Payment | Maximum Benefit (High Earners) |
|---|---|---|
| Retirement Benefits | $1,920 | Up to $4,873 |
| SSDI Benefits | $1,539 | Up to $4,873 |
| SSI Benefits | $698 | N/A |
The maximum benefit of $4,873 is reserved for retirees who have been high earners over 35 years in jobs covered by Social Security. Achieving this amount typically requires delaying benefits until age 70 and earning at or above the taxable maximum income for Social Security throughout those years.
Eligibility Criteria
To receive Social Security benefits in November, beneficiaries must meet certain eligibility criteria:
- SSI Recipients: All eligible SSI recipients receive their payments on November 1. They will also get their December payment early, on November 29.
- Retirement and SSDI Beneficiaries (Pre-May 1997): Retirees and SSDI recipients who began receiving benefits before May 1997 will get their payment on November 1.
- Birth Date-Based Payments: For retirees and SSDI recipients who do not fall into the early payment groups, payment dates depend on the individual’s birth date, as detailed above.
Early December Payment
SSI recipients will receive two payments in November: one on November 1 and another on November 29, which is an advance payment for December. The SSA schedules this early payment each year to avoid federal holiday delays at the start of January. While this isn’t an extra payment, it can be a welcome financial cushion for those managing end-of-year expenses.
November’s Social Security payments offer essential support for retirees, SSDI recipients, and SSI beneficiaries. For those on a fixed income, knowing the exact dates and amounts to expect can be crucial for budgeting. While there’s no 2025 COLA increase yet in these payments, the extra SSI payment at the end of November is a valuable early deposit.
FAQs
Who receives Social Security on November 1?
SSI recipients and pre-May 1997 beneficiaries on SSDI or retirement.
Why do SSI recipients get 2 payments in November?
The early December payment arrives on November 29 due to holidays.
What are the other November Social Security payment dates?
November 13, 20, and 27 for non-early payment beneficiaries.
What is the maximum Social Security benefit for retirees?
High-earning retirees can receive up to $4,873 per month.
Will November payments include the 2025 COLA?
No, the 2025 COLA increase will begin in January 2025.
