November 10th has already come, so we step into a time characterized by shorter days, thoughts of Thanksgiving and Christmas, and for many, the anticipation of the next round of Social Security payments.
The Social Security Administration (SSA) provides monthly payments, but the specific date can vary. This schedule typically depends on your birth date. If you filed claims for Social Security retirement, disability, or survivor benefits after May 1, 1997, your payment day is typically on the second, third, or fourth Wednesday of the month.
Social Security paydays in November
For those receiving Supplemental Security Income (SSI), which is designed for individuals with disabilities and older adults with minimal income and resources, payments are usually distributed on the 1st of each month. But changes can take place on Federal Holidays and weekends.
Understanding the timing of these benefits can help you plan better as we move into this festive season. Whether you are a recipient or know someone who is, staying informed about the Social Security payment schedule is essential for effective financial management.
If the 1st of the month falls on a weekend, as it did for September, then payments are issued on the preceding business day. Additionally, beneficiaries who began receiving benefits prior to May 1997 have a designated payment date.
Social Security Benefits: A Look Ahead to 2025
Social Security recipients can anticipate a 2.5% increase in their monthly checks in 2025. SSA confirmed a 2.5% adjustment, which is smaller compared to the increases of the previous two years, reflecting a trend of moderating inflation. In contrast, recipients experienced a 3.2% increase in 2024, following an unprecedented 8.7% increase in 2023 due to record-high inflation over four decades.
November 2024 Payment Schedule
Below are the dates when beneficiaries can expect their monthly payments in November:
SSA beneficiaries who started receiving benefits before May 1997: November 1 (paid)Birthday between the 1st and 10th of the month: November 13 (Second Wednesday of the month)- Birthday between the 11th and 20th of the month: November 20 (Third Wednesday of the month)
- Birthday between the 21st and 31st of the month: November 27 (Fourth Wednesday of the month)
Double Payments in November for Some
Interestingly, those who receive Supplemental Security Income (SSI) will receive another check in November due to the way the payment schedule falls this year.
The Social Security Administration typically issues payments for SSI on the first of every month. However, when this date coincides with a weekend or a holiday—like Sunday, December 1—the administration adjusts the schedule to pay recipients earlier.
In this particular instance, those receiving SSI will get their December payment on Friday, November 29.
How update payment information with the Social Security Administration?
If you already receive Social Security benefits and have a bank account, you can update your direct deposit information online by creating or logging into your my Social Security account.
If you receive Supplemental Security Income (SSI) payments, you need to call the SSA at 1-800-772-1213 for assistance in updating your direct deposit information. Provide your current direct deposit routing number and account number to change your information over the phone.
Another option is to sign up for the Direct Express debit card. This allows your federal benefit payment to be directly deposited onto the card, without needing a bank account. You can sign up by calling 1-800-333-1795 or getting help from the SSA.
How to Report a Missing Social Security Payment
If you find that your electronic payment hasn’t arrived on the expected date, the Social Security Administration advises you to first check with your bank or financial institution. They suggest that there “may be experiencing a delay in posting your payment.”
Steps to Take for Missing Payments
- If the issue persists, and you need to report a late, missing, or stolen Social Security payment, you should contact the Social Security Administration directly.
- Call them at 1-800-772-1213 (TTY 1-800-325-0778).
- You can also reach out to your local Social Security office for assistance.
Federal holidays in the United States
Federal law establishes 12 public holidays for federal employees each year. Most federal employees work Monday to Friday, so if a holiday falls on a weekend, it is usually observed on the closest weekday (Monday for Sunday holidays, Friday for Saturday holidays).
- New Year’s Day (January 1)
- Birthday of Martin Luther King, Jr. (3rd Monday in January)
- Washington’s Birthday (3rd Monday in February)
- Memorial Day (Last Monday in May)
- Juneteenth National Independence Day (June 19)
- Independence Day (July 4)
- Labor Day (1st Monday in September)
- Columbus Day (2nd Monday in October)
- Veterans Day (November 11)
- Thanksgiving Day (4th Thursday in November)
- Christmas Day (December 25)
- Inauguration Day (January 20 every 4 years, only observed by federal employees in Washington, D.C. area)