Eligible recipients of Social Security’s Retirement, Survivors, and Disability Insurance (RSDI) benefits can expect a payment in just a couple of days, on November 13, 2024. The Social Security Administration (SSA) has announced that this payment cycle applies to retirees, survivors, and disabled individuals whose birthdates fall between the 1st and the 10th, and who filed for benefits after May 1997. Here, we’ll cover eligibility requirements, payment amounts, and upcoming payment dates for various Social Security benefits this November.
Eligibility Criteria for Retirement, Survivor, and Disability Insurance Benefits
To qualify for Social Security benefits, recipients must meet specific requirements based on their age, work history, contributions, and, for disability benefits, medical documentation.
Requirements for Retirement Benefits
- Early Retirement: Workers can opt to start receiving benefits at age 62 if they have contributed to the Social Security system for at least ten years.
- Full Retirement Age: Benefits reach full value at age 67, though recipients can delay their claim up to age 70 for increased monthly payments.
- Benefit Increase with Delay: For those who delay benefits until age 70, monthly payments are maximized, helping retirees potentially secure larger long-term benefits.
Survivor Benefits Eligibility
Survivor benefits extend to various family members based on the deceased worker’s record:
- Spouses: Eligible spouses may claim survivor benefits based on their partner’s earnings record.
- Divorced Spouses: Divorced spouses who were married to the worker for at least ten years and remain unmarried can also claim benefits.
- Children: Children of retired or deceased workers may receive benefits until age 18 (or 16 if not the worker’s biological child), with possible extensions for disabled or student children.
Disability Benefits Criteria
To qualify for Social Security Disability Insurance (SSDI), applicants must:
- Demonstrate Disability: Applicants must show that their condition has rendered them unable to work for at least a year or poses a risk of death.
- Work History: Typically, applicants need five of the last ten years in covered employment, with some exceptions for younger applicants.
- Restrictions on Work Activity: Eligible applicants must not engage in substantial gainful activity (SGA).
Social Security Payment Amounts in 2024
The SSA determines Social Security payment amounts based on the age at which beneficiaries start receiving benefits, as well as the type of benefit. Below is a breakdown of average and maximum payments for retirees, survivors, and disability beneficiaries:
| Benefit Type | Average Payment | Maximum Payment (2024) |
|---|---|---|
| General Social Security | $1,505 | N/A |
| Survivor Benefits | $1,537 | $1,773 (individual) |
| $3,653 (2 children) | ||
| Disability Benefits | $698 (standard) | $2,590 (blind) |
| $3,822 (maximum) | ||
| Supplemental Security Income (SSI) | $943 (individual) | $1,415 (couples) |
| Essential Person Allowance | N/A | $472 |
- Early Retirement (before full retirement age): Up to $2,710 per month.
- Full Retirement Age: Up to $3,822 per month.
- Delayed Benefits (age 70): Maximum monthly payment is $4,873.
These amounts reflect the structured benefit tiers for individuals who meet SSA’s eligibility criteria.
Important Social Security Payment Dates in November 2024
In addition to the payment scheduled for November 13, the SSA has outlined the following payment dates for this month based on recipients’ birthdates:
- November 20: Payment for those born between the 11th and the 20th of any month.
- November 27: Payment for those born between the 21st and the 31st.
- November 29: Supplemental Security Income (SSI) payment for those meeting income and resource criteria.
SSI recipients will receive an additional payment due to December 1 falling on a weekend, ensuring consistent payment support.
Additional Considerations for Disability Payments
Social Security Disability Insurance (SSDI) applicants should be aware that disability payments may not cover all expenses. Candidates may need to consider other income sources or programs, as Social Security benefits are designed to cover essential needs but might not be sufficient for comprehensive living expenses. To qualify, applicants must provide substantial medical records and fit SSA’s definitions for disability, which includes serious, ongoing health issues or impending fatal conditions.
Key Points for Social Security Recipients
Recipients born between the 1st and 10th should watch for their benefit deposit on November 13. These structured payment cycles are set to help retirees, survivors, and disabled individuals receive predictable support each month. Individuals delaying benefits until age 70 or qualifying for specific survivor and disability benefits may receive the highest possible payouts, which can make a meaningful difference in retirement or when dealing with health issues.
Who is eligible for November 13 Social Security payments?
Recipients born between the 1st and the 10th, who applied for benefits after May 1997, are eligible for the November 13 payment.
When is the maximum Social Security payment available?
The maximum benefit, up to $4,873 monthly, is available to individuals who delay benefits until age 70.
Can divorced spouses receive benefits?
Yes, divorced spouses who were married to the recipient for at least ten years and remain unmarried may receive benefits based on the ex-spouse’s record.
