SSDI November Payment Schedule – Who Will Get Their Social Security Check Earlier?

The Social Security Administration (SSA) has announced a slight but important change to the November 2024 payment schedule for some Social Security Disability Insurance (SSDI) recipients. Typically, those receiving both Supplemental Security Income (SSI) and SSDI, or those who started receiving Social Security benefits before May 1997, get paid on the 3rd of each month. However, in November 2024, this will change because November 3 falls on a weekend when banks and SSA offices are closed. The change in the schedule is expected to benefit recipients by delivering payments earlier.

Let’s break down the new payment schedule and what SSDI recipients should expect this November.

First SSDI Payment

SSDI recipients who would typically receive their payment on November 3 will now get their payment ahead of schedule, on November 1, 2024. If you usually receive your benefits on the 3rd, this is a welcome change to ensure you don’t experience any delays. To be eligible for this earlier payment, you must meet the following criteria:

• Be an SSDI recipient and remain compliant with all program rules.
• Still qualify based on your disability status.
• Receive both SSI and SSDI benefits or have started receiving disability benefits before May 1997.

If you started receiving SSDI benefits after April 30, 1997, and are not receiving SSI, your payments will follow the typical Wednesday payment schedule.

SSDI Wednesday Payments

For those who began receiving SSDI benefits after April 1997 and don’t receive SSI, there are three SSDI payment dates in November based on your birthday. Here’s the breakdown:

• Wednesday, November 13: Recipients whose birthdays fall between the 1st and 10th of any month will receive their monthly SSDI payment.
• Wednesday, November 20: If your birthday falls between the 11th and 20th, your SSDI payment will be issued on this date.
• Wednesday, November 27: For recipients with birthdays between the 21st and 31st, the final SSDI payment of November will be sent out on this day.

It’s important to note that these November payments do not include the 2025 Cost-of-Living Adjustment (COLA) increase, which will only be applied starting in January 2025.

Payment Change

The SSA is making this payment change for SSDI recipients who usually receive their benefits on the 3rd to avoid any delays caused by the weekend. Since both banks and SSA offices will be closed, moving the payment to November 1 ensures that recipients will still get their benefits on time without any interruption.

The SSA has a system in place for managing payments when regular payment dates fall on weekends or holidays. This is just another example of the SSA proactively ensuring timely delivery of benefits to millions of Americans who rely on SSDI to cover their living expenses.

Need to Know

If you’re an SSDI recipient expecting a payment in November, here’s a quick recap of what you need to keep in mind:

• If you usually receive your payment on the 3rd of the month, expect your November payment on November 1 instead.
• If you started receiving SSDI after April 30, 1997, and don’t receive SSI, your payment will follow the Wednesday schedule based on your birthday (November 13, 20, or 27).
• The 2025 COLA increase will not be included in November’s payments. COLA adjustments will take effect starting in January 2025.

By staying informed and checking the updated payment dates, you can ensure you receive your SSDI benefits without delay and avoid any potential financial stress.

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