With the Social Security Administration confirming the schedule for November payments, retirees and Supplemental Security Income (SSI) recipients can now prepare for their next deposits. After some beneficiaries received all their October payments, the focus is now on when they’ll get their November funds. Let’s break down when these payments will arrive and what recipients, including couples, can expect.
November Payments
SSI recipients can expect their next payment on November 1. Whether you receive your SSI via check or direct deposit, this will be the day to watch for. What’s notable is that some SSI recipients also receive Social Security retirement benefits, especially married couples. If you fall into this category, the same November 1 payment date applies to both your SSI and Social Security payments.
For many recipients, November 1 will be a critical day because both SSI and Social Security Disability Insurance (SSDI) payments will arrive on this date. This applies whether you’re single or part of a married couple, though the amount you receive can vary based on your marital status.
Payments for Couples
Some married couples receive both SSI and retirement benefits, which can result in higher monthly payouts than individuals. Couples who qualify for both SSI and Social Security payments will still receive their money on November 1, just like individual recipients.
Additionally, some couples are on SSDI, meaning they get disability payments instead of retirement benefits. These couples may also qualify for SSI and receive their payments on the same day. So whether you receive retirement benefits or SSDI, if you qualify for SSI, November 1 is the payment date to keep in mind.
While being married doesn’t change the payment date, it can affect the amount you receive. Couples on SSI typically receive more than individuals, so if both you and your spouse qualify, expect a higher payout.
Payment Amounts
It’s important to note that the payments made in November will not include the 2025 Cost-of-Living Adjustment (COLA) increase. The COLA boost will be reflected in payments made at the end of the year, specifically on December 31 for SSI recipients and in early January 2025 for Social Security and SSDI recipients. So, for now, November payments will remain the same as previous months.
Here’s what you can expect on average for November:
| Category | Average Monthly Payment |
|---|---|
| Retirees | $1,920 |
| SSDI Recipients | $1,539 |
| SSI Recipients | $698 |
| Seniors (65 or older on SSI) | $575 |
| Spouses of Retired Workers | $909 |
| Spouses of Disabled Workers | $421 |
These averages give you a general idea of what to expect in your bank account, but actual amounts can vary depending on your individual circumstances, marital status, and qualifying benefits.
Monthly Income
If you’re married, it’s worth noting that spouses of both retired workers and those with disabilities may qualify for additional Social Security benefits. For example, the average payment for the spouse of a retired worker is around $909, while the spouse of a disabled worker might receive $421 on average. This can add a substantial boost to a household’s monthly income, especially when combined with the primary beneficiary’s payment.
If both spouses qualify for benefits, their combined income could make it easier to cover monthly expenses or even save a bit more for unexpected costs.
End-of-Year Increase
As mentioned earlier, the November payments will not reflect the 2025 COLA increase. However, this adjustment will come into effect soon. SSI recipients can look forward to a higher payment on December 31, while Social Security and SSDI recipients will see the increase in January 2025, with payments distributed on the 3rd, 8th, 15th, or 22nd of the month, depending on their birth date.
Although the boost is not immediate, it’s a good time to start planning your finances with this increase in mind. It may offer a bit more breathing room in your monthly budget heading into the new year.
For now, November payments will remain as they are, so recipients should plan accordingly and prepare for the eventual increase in the coming months.
As we head into November, knowing when to expect your payment and how much you can rely on will help you stay on top of your finances. Whether you’re receiving SSI, Social Security, or both, mark November 1 on your calendar and prepare for your next deposit.
FAQs
When will SSI recipients receive their November payment?
On November 1, via check or direct deposit.
Will Social Security recipients get a payment in November?
Yes, most Social Security payments are due November 1.
Do married couples get more SSI than individuals?
Yes, couples typically receive higher monthly payments.
When will the COLA increase take effect?
The increase begins December 31 for SSI and January 2025 for retirees.
How much will spouses of retired workers receive?
Spouses can get an average payment of $909 per month.
