As the holiday season approaches, Social Security recipients are looking forward to the November payments. For recipients of Social Security retirement, disability, or survivor benefits, payment dates generally depend on birth dates, while Supplemental Security Income (SSI) follows its own schedule. Here’s a breakdown of the payment schedule for November 2024, along with tips for what to do if a payment is late.
November 2024 Social Security Payment Schedule
Payment Dates for Retirement, Disability, and Survivor Benefits
The SSA issues monthly Social Security payments based on birth dates for those who began receiving benefits after May 1, 1997. Here’s the schedule for November 2024:
- Recipients with birthdays on the 1st–10th: Payment on Wednesday, November 13 (second Wednesday)
- Recipients with birthdays on the 11th–20th: Payment on Wednesday, November 20 (third Wednesday)
- Recipients with birthdays on the 21st–31st: Payment on Wednesday, November 27 (fourth Wednesday)
Early Payment for Long-Time Beneficiaries
Beneficiaries who started receiving Social Security benefits before May 1997 have a designated payment date, typically on the first day of each month. For November, their payments were issued on November 1.
Supplemental Security Income (SSI) Payment Schedule
SSI recipients, who are individuals with disabilities or low-income older adults, generally receive payments on the first of each month. However, when the first falls on a weekend or holiday, the SSA moves the payment date to the last business day of the previous month.
This November, SSI recipients received a payment on November 1 and will also receive their December payment early, on Friday, November 29, due to December 1 falling on a Sunday. This results in two SSI payments in November, though it is not an additional benefit but simply an advance on December’s check.
| Beneficiary Type | Payment Date |
|---|---|
| SSI Recipients | November 1 and November 29 |
| Birthday 1st–10th | November 13 |
| Birthday 11th–20th | November 20 |
| Birthday 21st–31st | November 27 |
Looking Ahead to 2025: COLA Increase
In January 2025, Social Security recipients can expect a 2.5% COLA (Cost of Living Adjustment) increase in their monthly checks. Although this increase is smaller than the 3.2% adjustment in 2024 and the record 8.7% in 2023, it still provides additional support to counter moderate inflation. Recipients will see this adjustment reflected in their January 2025 payments.
Reporting Missing Social Security Payments
Steps to Take if a Payment Is Delayed
If a Social Security payment does not arrive on its scheduled date, SSA suggests that recipients:
- Check with Their Financial Institution: Sometimes there is a slight delay in the deposit posting, so it’s best to first confirm with your bank or credit union.
- Contact the SSA: If the payment is still missing after checking with your bank, you should contact the SSA. You can reach the SSA directly at:
- Phone: 1-800-772-1213 (TTY 1-800-325-0778)
- Local Office: Alternatively, you may visit your local SSA office for assistance with missing or delayed payments.
The SSA aims to provide dependable support, so understanding these schedules and knowing how to report issues can help beneficiaries avoid disruptions during the holiday season.
