November Social Security Disability Insurance (SSDI) payments are slightly adjusted due to the schedule. Normally, SSDI payments go out on the 3rd of each month.
However, since this November 3 falls on a weekend, the Social Security Administration (SSA) has revised the payment dates. Here’s everything you need to know about this month’s SSDI payments, who is eligible for payments up to $1,539, and when recipients can expect them.
Dates
SSDI payment dates this November will vary based on when you began receiving benefits, your birth date, and if you are also receiving Supplemental Security Income (SSI).
November Payment Schedule
- Recipients Before May 1997: If you started receiving SSDI payments before May 1997 or if you are receiving both SSDI and SSI, your check will be issued on November 1.
- Recipients After May 1997: SSDI recipients who began receiving benefits after April 30, 1997, will follow a staggered payment schedule based on their birth date:
- Birthdate 1st-10th: November 13
- Birthdate 11th-20th: November 20
- Birthdate 21st-31st: November 27
This schedule ensures that payments are distributed efficiently throughout the month, allowing the SSA to streamline direct deposits and check deliveries.
Payment Amounts
The average SSDI payment this year is $1,539. However, this amount varies by individual, as payments are calculated based on a recipient’s earnings record. Higher earnings throughout your career, particularly if you earned the maximum taxable income consistently for 35 years, can result in a higher monthly SSDI payment. In fact, the maximum SSDI benefit can reach up to $3,822.
While $1,539 serves as a general benchmark, actual SSDI benefits will differ depending on each recipient’s work history and specific earnings record.
| Criteria | Payment Amount |
|---|---|
| Average SSDI Payment | $1,539 |
| Maximum SSDI Payment | $3,822 |
| Average SSI Payment | $698 |
Important Note: Those who receive both SSI and SSDI may have their SSI benefits reduced slightly due to their SSDI income.
Eligibility for SSDI
SSDI eligibility is based on having a qualifying disability and sufficient work credits. Work credits are earned through employment covered by the SSA, with the required credits varying by age. Younger individuals need fewer credits, while older applicants may need more credits to qualify.
Additional factors include:
- Medical Disability: Only those with a recognized disability under SSA guidelines qualify.
- Work History: You must have earned enough work credits in SSA-covered jobs. Generally, this translates to working a specific number of years based on your age at the time of the disability.
- Application Processing: Applications may experience delays, so it’s recommended to apply as early as possible.
Combined SSDI and SSI Benefits
Some SSDI recipients may also qualify for Supplemental Security Income (SSI), a program intended to assist low-income individuals with disabilities. The average SSI benefit is around $698 per month, which may be reduced if the recipient also receives SSDI income. For individuals with very low income, receiving both SSI and SSDI can be essential for covering their living expenses.
SSI vs. SSDI
| Program | Basis of Eligibility | Average Payment | Max SSDI Benefit |
|---|---|---|---|
| SSI | Income-based | $698 | Not applicable |
| SSDI | Work credit-based | $1,539 | $3,822 |
The ability to receive both benefits depends on income, assets, and individual financial need.
November’s adjusted schedule ensures that all SSDI recipients will receive their payments on time, even with the weekend holiday adjustment. Knowing the exact payment schedule, eligibility, and benefit breakdowns can help recipients plan ahead and understand what to expect in their monthly SSDI benefits.
