Some Social Security beneficiaries will notice an extra payment in their account next month due to a quirk in the Social Security Administration’s (SSA) payment schedule. If you’re a recipient, don’t worry—this isn’t out of the ordinary. It’s part of the usual payment cycle, particularly for those who qualify for Supplemental Security Income (SSI). If you’re in this group, you should take note of this change, as you’ll receive an advance payment before the end of the year.
Extra Payments for SSI Beneficiaries in November
Social Security has announced that certain beneficiaries will receive an extra check in November 2024. Specifically, individuals who receive both Social Security and SSI will get three payments: two SSI payments plus their usual Social Security check. However, this extra payment doesn’t mean you’re receiving additional benefits—it’s simply an advance due to the way the calendar falls this year.
This happens because SSI payments are typically issued on the first business day of the month. In November, SSI recipients will receive their first check on November 1st. However, since December 1st is a Sunday, the SSI payment for that month will be released on November 29th. As a result, SSI beneficiaries will receive two payments in November and none in December. A similar occurrence happened earlier this year in August.
Upcoming Calendar Anomalies
This isn’t the last time beneficiaries will experience this schedule anomaly. The SSA has already published its payment schedule through 2025, showing similar adjustments. For instance, in 2025, SSI recipients will receive their January payment on December 31, 2024, and their February payment on January 31, 2025. This will result in no payments in March, with a repeat of the two-payments-in-one-month pattern in May 2025, leading to no payment in June.
Who Qualifies for SSI?
The Supplemental Security Income program provides financial assistance to those with limited income and resources. This includes individuals aged 65 or older, blind individuals, or those with qualifying disabilities, including children. SSI is designed to assist those with minimal income—typically less than $1,971 per month from work.
The SSA has also announced plans to introduce a streamlined application process for SSI later this year. This could make it easier for individuals who believe they may qualify to apply for benefits.
2024 Payment Schedule for SSI Recipients
Here’s a breakdown of when SSI recipients can expect their payments, based on the SSA’s schedule for November:
- Wednesday, Nov. 13: For birth dates between the 1st and 10th of the month.
- Wednesday, Nov. 20: For birth dates between the 11th and 20th of the month.
- Wednesday, Nov. 27: For birth dates between the 21st and 31st of the month.
If your payment doesn’t arrive on the scheduled date, the SSA advises waiting at least three business days before contacting them. Delays may be related to banking processes rather than any issue with the SSA itself.
For more information about your benefits or payment schedule, it’s recommended to check your My Social Security Account.
How Much Will Beneficiaries Receive?
SSI recipients can expect to receive an average of $698 per month. However, the exact amount depends on individual circumstances. For example, individuals typically receive around $973, while couples can receive up to $1,415 per month. These amounts already reflect the 3.2% cost of living adjustment (COLA) that was announced for this year.
Looking ahead to 2025, the SSA has announced a 2.5% COLA increase, which will slightly adjust these amounts as follows:
| Beneficiaries | 2024 Payments | 2025 Payments (with 2.5% COLA) | COLA Increase |
|---|---|---|---|
| Average SSI Payment | $698 | $715 | $17 |
| Individuals | $943 | $967 | $24 |
| Couples | $1,415 | $1,450 | $35 |
| Essential Persons* | $472 | $484 | $12 |
*An essential person is someone who lives with an SSI beneficiary and provides essential care.
These updated amounts will take effect at the beginning of 2025.
What Does This Mean for You?
If you’re an SSI beneficiary, it’s essential to be aware of these upcoming payments and calendar adjustments. While it may seem like you’re receiving extra money in November, it’s simply an advance payment for December. Planning your budget accordingly can help ensure that these adjustments don’t cause any financial strain. Keep an eye on the SSA’s calendar and your My Social Security Account to stay informed.
Why am I receiving two SSI checks in November?
The extra payment in November is due to the calendar. Since December 1st falls on a Sunday, SSI payments for that month will be issued on November 29th, meaning you’ll receive two payments in November and none in December.
Will I receive an extra payment every year?
No, this isn’t an annual occurrence. It happens only in months where the first day of the following month is a weekend or holiday, which affects the SSA’s payment schedule.
How much will I receive with the COLA increase?
The 2.5% COLA increase for 2025 will slightly raise SSI benefits. For individuals, the average increase will be $24, while couples can expect a $35 increase.
