In November, many Social Security beneficiaries may have noticed an extra Supplemental Security Income (SSI) payment. For those familiar with the Social Security Administration’s (SSA) payment schedule, this double payment isn’t surprising. However, for beneficiaries who expect one payment per month, it might be confusing. This extra November payment comes from a scheduling adjustment to avoid a conflict with weekend dates in December. This simple calendar shift affects over seven million Americans relying on SSI, underscoring the importance of staying informed about SSA payment dates.
Why SSI Beneficiaries Received an Extra Check in November
SSI benefits are typically issued on the first day of each month, or the closest business day when that date falls on a weekend or holiday. Since December 1, 2024, lands on a Sunday, the SSA moved the December payment to the preceding business day—November 29, a Friday. This adjustment means beneficiaries will receive two SSI payments in November: one on November 1 and another on November 29, instead of the usual December 1 payment.
For beneficiaries, this calendar shift will mean no SSI payment in December, as the November 29 payment effectively serves as the December installment. Recipients should plan accordingly to account for this adjustment.
Key SSI Payment Dates in November 2024:
- First November Payment: November 1 (Friday)
- Second November Payment: November 29 (Friday)
Understanding SSI and How It Differs from Other Social Security Benefits
SSI, a program for low-income elderly and disabled individuals, is funded differently from standard Social Security benefits, which primarily rely on payroll taxes. While Social Security retirement and disability benefits come from income taxes, SSI payments come from general federal revenues and, in some cases, state supplements. This structure helps support those with minimal income and resources, especially elderly or disabled individuals with limited work history.
Eligibility Requirements for SSI:
- Limited income
- Few financial resources
- Age 65 or older, or a qualifying disability or blindness
In 2024, the maximum monthly SSI benefit is set at $943 for individuals and $1,415 for couples. Unlike Social Security Disability Insurance (SSDI), which is based on an individual’s work history and contributions to the Social Security system, SSI does not require prior employment history.
| Benefit Type | Average Monthly Payment (2024) | Maximum Monthly Benefit (2024) |
|---|---|---|
| SSI Individuals | $943 | $943 |
| SSI Couples | $1,415 | $1,415 |
| Social Security Retirees | $1,907 | Varies based on work history |
| Social Security Retired Couples | $3,303 | Varies based on work history |
| Survivor Benefits | $1,509.50 | Varies |
Upcoming Cost of Living Adjustments (COLA) for Social Security in 2025
Social Security beneficiaries will see a 2.5% COLA increase in 2025, a smaller adjustment compared to 2024’s 3.2% increase. While SSI benefits aren’t directly tied to the same COLA increases, they are subject to periodic adjustments based on federal guidelines. In 2025, the average monthly Social Security benefit for retirees will increase by $50, from $1,907 to $1,957. This annual adjustment helps protect beneficiaries’ purchasing power against inflation.
Projected Average Monthly Payments for Social Security Recipients in 2025:
- Retired Individuals: $1,957
- Retired Couples: $3,303
- Survivor Benefits: $1,509.50
- Spouses of Retirees: $910
- Children of Retirees: $892
Beneficiaries can estimate their upcoming Social Security payments using the SSA’s Quick Benefit Calculator or tools like North State Bank’s Inflation Adjustment Calculator.
How to Stay Updated on SSI and Social Security Payments
With adjustments and changes in payment schedules, it’s helpful to regularly check the SSA’s annual payment schedule. Beneficiaries can access their My Social Security Account to view upcoming payment dates, download financial statements, and explore additional resources. Staying informed about these dates and adjustments helps SSI and Social Security recipients manage their finances effectively.
Why did I get two SSI checks in November?
This is due to a scheduling shift. Because December 1 falls on a Sunday, the SSA issued the December payment early on November 29.
Will I receive an SSI check in December 2024?
No, because the December payment was advanced to November 29. Recipients will not receive an SSI check in December.
How much will my SSI payment be in 2024?
The maximum monthly SSI benefit is $943 for individuals and $1,415 for couples.
