With November here, many Social Security recipients look forward to their next payment date, often planning around this income, especially as the holiday season approaches. The Social Security Administration (SSA) distributes these benefits monthly, and knowing when to expect payments can aid in better budgeting and financial planning. Here’s an overview of the payment schedule for Social Security and Supplemental Security Income (SSI) recipients, updates for the coming years, and guidance on resolving any payment issues.
How Social Security Payment Dates Are Determined
The payment date for Social Security benefits depends on the recipient’s birth date and the date they began receiving benefits. For beneficiaries who started receiving Social Security retirement, disability, or survivor benefits after May 1, 1997, payments are scheduled as follows:
- Birthdays on the 1st–10th: Payments are issued on the second Wednesday of each month.
- Birthdays on the 11th–20th: Payments arrive on the third Wednesday of each month.
- Birthdays on the 21st–31st: Payments are disbursed on the fourth Wednesday of each month.
For those who started receiving benefits before May 1997, payment arrives on the first day of each month. However, if the 1st falls on a weekend or federal holiday, payments are issued on the last business day before the 1st.
November 2024 Payment Dates
In November 2024, recipients can expect their Social Security benefits on the following dates:
- Recipients with birthdays from the 1st–10th: Wednesday, November 13
- Recipients with birthdays from the 11th–20th: Wednesday, November 20
- Recipients with birthdays from the 21st–31st: Wednesday, November 27
Individuals who began receiving benefits before May 1997 have already received their payment on Friday, November 1.
Supplemental Security Income (SSI) Payment Schedule
SSI benefits, intended for individuals with disabilities or limited resources, are typically disbursed on the 1st of each month. However, if the 1st falls on a weekend or federal holiday, payments are adjusted to arrive on the last business day prior to the 1st. This scheduling adjustment means that SSI recipients occasionally receive two payments within the same month.
Double Payments in November 2024
SSI recipients will receive two checks in November due to the timing of December’s payment. Since December 1 falls on a Sunday, the SSA has scheduled this payment for Friday, November 29, meaning SSI recipients will receive both their November and December payments in the same month.
| SSI Payment Dates | Month | Reason |
|---|---|---|
| November 1 | November | Regular monthly payment |
| November 29 | December | Early payment due to weekend |
2025 Cost-of-Living Adjustment (COLA) Update
Social Security beneficiaries can anticipate a 2.5% increase in their payments for 2025. This Cost-of-Living Adjustment (COLA) is a response to inflation but reflects moderating inflation rates compared to previous years. For context, 2024 saw a 3.2% increase, following a record 8.7% increase in 2023, driven by the high inflation of the previous years.
How to Update Direct Deposit Information
For beneficiaries who wish to update their payment method or account information, the SSA provides several options:
- Online Account Update: If you already have a “my Social Security” account, you can log in to change your direct deposit information directly.
- Phone Update for SSI Recipients: For SSI recipients, updates must be made by calling the SSA at 1-800-772-1213. Have your bank’s routing and account numbers ready when calling.
- Direct Express Debit Card: Those without a bank account can opt for the Direct Express debit card, allowing federal benefit payments to be loaded onto a prepaid card. To enroll, contact Direct Express at 1-800-333-1795 or speak with the SSA for assistance.
What to Do if Your Social Security Payment Is Missing
If you do not receive your payment on the expected date, the SSA recommends the following steps:
- Check with Your Bank: Confirm with your financial institution to ensure there was no delay in processing the deposit.
- Contact the SSA: If the payment is still missing, call the SSA at 1-800-772-1213 (TTY 1-800-325-0778) to report the issue. You can also contact your local Social Security office for assistance.
Ensuring timely Social Security payments is essential, especially during the holiday season when many rely on these funds to manage end-of-year expenses. Being aware of the SSA’s payment schedule and knowing how to resolve any payment issues can help recipients feel more secure in their financial planning.
What happens if my payment date falls on a holiday?
If a scheduled payment date coincides with a federal holiday or weekend, the SSA will issue the payment on the business day before.
Will I receive double payments in November 2024?
SSI recipients will receive two payments in November, as December’s payment is disbursed early due to the 1st falling on a weekend.
How can I change my direct deposit information with the SSA?
Log into your “my Social Security” account online, or call the SSA at 1-800-772-1213 for assistance.
