November Social Security payment update – No checks will be issued during the second week

November brings some adjustments to the Social Security payment schedule, and beneficiaries may notice a slight change in when they receive their checks. Typically, the Social Security Administration (SSA) delivers payments throughout the month. However, due to scheduling shifts, some recipients may see their payments arriving earlier in November, particularly those who claimed benefits before May 1997.

Let’s break down what you can expect regarding your Social Security payments in November, how the schedule changes, and what this means for your monthly check.

Schedule

For November, the payment schedule will see a slight change for those who normally receive their benefits on the third of the month. Since November 3rd falls on a Sunday, payments for beneficiaries from the Retirement, Survivor, and Disability Insurance (RSDI) programs who claimed benefits before May 1997 will be distributed on the preceding business day, which is Friday, November 1st. Beneficiaries from the Supplemental Security Income (SSI) program will also receive their payments on the first of the month.

Meanwhile, other Social Security recipients who qualify for retirement, survivor, or disability benefits and claimed benefits after May 1997 will continue to receive their payments on the usual staggered schedule. The payments will be delivered as follows:

• November 13th (Second Wednesday): For beneficiaries born between the 1st and 10th of the month.
• November 20th (Third Wednesday): For beneficiaries born between the 11th and 20th.
• November 27th (Fourth Wednesday): For beneficiaries born between the 21st and 31st.

Amounts

The amount of your Social Security check will vary depending on the program you qualify for, as well as several factors such as your full retirement age (FRA), working history, and the amount of Social Security taxes you’ve paid. Below is a table with the average and other specific Social Security payments:

Social Security Payments	Retirement Benefits	Survivors Benefits	Disability Benefits	SSI Benefits
On average	$1,900	$1,505	$1,537	$698
Other payments	Age 62: $2,710	Individual: $1,773	Blind recipients: $2,590	Individuals: $943
	Age 67: $3,822	2 Children: $3,653	Maximum payment: $3,822	Couples: $1,415
	Age 70: $4,873			Essential person: $472

For those seeking the maximum payments, it is important to meet all SSA requirements, which can vary based on factors such as work history and retirement age. If you want to maximize your benefits, speaking with a financial advisor or SSA specialist is recommended. This professional guidance can help you determine the best strategy for your situation.

Check Delays

If you don’t receive your Social Security payment on the scheduled date, wait at least three business days before contacting customer service. Often, delays are due to your bank’s payment processing, so it’s essential to give it a few extra days before reaching out.

Upcoming COLA

The new cost-of-living adjustment (COLA) increase is expected to be announced soon by the Social Security Administration. Following months of estimates, the SSA has confirmed the date for when the COLA increase will be distributed. While many beneficiaries are curious about the size of the upcoming increase, it is expected to be smaller than in recent years.

For 2025, the Senior Citizens League (TSCL) forecasts a 2.5% COLA, which would be the smallest increase since the 1.3% adjustment in 2020. The COLA is designed to help benefits keep pace with inflation.

Although the expected increase is smaller than some might hope, it still aligns with historical averages. Over the past 20 years, the COLA has averaged 2.6%, meaning the anticipated 2.5% is relatively normal.

According to TSCL Executive Director Shannon Benton, a minimum 3% COLA is ideal to ensure seniors can afford basic living expenses and maintain dignity. Unfortunately, inflation plays a significant role in determining COLA, and with inflation rates currently moderating, the upcoming increase is expected to be modest.

November brings some changes to Social Security payments, especially for those receiving benefits under the RSDI program before May 1997, who will get their checks on November 1st instead of November 3rd. The SSA’s staggered payment schedule for the rest of the month remains unchanged for other beneficiaries.

As the cost-of-living adjustment for 2025 is soon to be announced, beneficiaries should prepare for a modest increase and ensure that they plan accordingly for any adjustments in their financial situation.

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