As November approaches, the Social Security Administration (SSA) has announced the upcoming payment schedule for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) recipients.
Millions of beneficiaries are looking forward to their next payment dates, and with one SSI payment and three SSDI payments scheduled for November, knowing when you’ll get paid and how much to expect is essential. Here’s a quick guide to help you plan.
In October, the last SSDI payment went out on the 23rd, and now SSA is preparing for the next round of payments. According to SSA, average monthly payments are $698 for SSI and approximately $1,539 for SSDI, though amounts vary significantly based on work history, filing age, and individual earnings or resources.
Payment
Although SSI and SSDI payments are usually issued on different dates, the two programs occasionally share a payday. This will be the case on November 1, 2024, when both SSI and some SSDI recipients will receive payments. This dual payday is scheduled when the start of a month falls on a weekend or holiday, moving the payment date to the preceding business day.
- November 1, 2024: All eligible SSI recipients will receive their monthly payment on this date. For SSDI beneficiaries, only those who began receiving payments before May 1997 or those receiving both SSI and SSDI benefits will get paid on November 1.
If you don’t fall into either of these categories, your SSDI payment will follow the standard schedule for November, with three additional payment dates.
Payments in November
The remaining SSDI payments in November are scheduled based on recipients’ birth dates, each falling on a Wednesday:
- November 13: SSDI recipients born between the 1st and 10th of any month will receive their payment on this date.
- November 20: Recipients born between the 11th and 20th will receive their SSDI benefits on November 20.
- November 27: SSDI recipients born between the 21st and 31st will be paid on November 27.
These staggered SSDI paydays are helpful for recipients, who can reliably plan around their set Wednesday payment dates.
| Birth Date Range | SSDI Payment Date |
|---|---|
| 1–10 | November 13 |
| 11–20 | November 20 |
| 21–31 | November 27 |
Payment Amounts
The payment amount for SSI and SSDI depends on a range of factors, from work history to age at filing. For November 2024, maximum benefit amounts are as follows:
- SSI Maximums: For individuals, SSI pays up to $943 per month, and married couples who are eligible can receive a maximum of $1,415. An “essential person” (someone providing in-home care) may receive up to $472.
- SSDI Maximum: SSDI payments for high earners with 35 years of qualifying work history max out at $3,822 per month in 2024. In January 2025, this maximum is expected to rise due to the annual cost-of-living adjustment (COLA).
| Benefit Type | Average Payment | Maximum Payment |
|---|---|---|
| SSI (Individual) | $698 | $943 |
| SSI (Married Couple) | — | $1,415 |
| SSI (Essential Person) | — | $472 |
| SSDI | $1,539 | $3,822 |
Differences
SSI and SSDI serve similar purposes but differ in several fundamental ways. Here’s a breakdown to help clarify the distinctions.
Funding Source
- SSI: Funded by general tax revenues.
- SSDI: Funded through the Social Security Disability trust fund, which workers contribute to via FICA taxes.
Eligibility Criteria
Both programs require meeting SSA’s disability criteria, but other eligibility requirements vary:
- SSI: Applicants must have limited income and resources.
- SSDI: Applicants need a sufficient prior work history and FICA contributions. SSDI eligibility is not affected by current income or resources.
Benefit Amount Calculation
- SSI: Payment amounts are set by Congress each year, and some states provide supplemental payments.
- SSDI: Monthly payments are based on prior earnings records, meaning benefit amounts depend on how much a recipient earned and paid into Social Security over their career.
Health Insurance
- SSI: SSI recipients are typically eligible for Medicaid upon approval.
- SSDI: SSDI recipients qualify for Medicare after a 24-month waiting period.
Other Differences
- Work Requirements: SSDI requires a recent work history, whereas SSI does not.
- Additional SSDI Eligibility: Disabled adult children may qualify for SSDI based on a parent’s work record if they became disabled before age 22.
- Food Assistance: SSI recipients may qualify for food assistance programs, while SSDI does not offer this benefit.
November’s SSDI and SSI payment schedule provides recipients with predictable payment dates that can help with monthly budgeting. Whether you’re receiving benefits on November 1, 13, 20, or 27, this organized schedule ensures all payments will arrive on time.
FAQs
Who gets paid on November 1?
SSI recipients and SSDI beneficiaries who receive SSI or began SSDI before May 1997.
When will SSDI payments be issued in November?
SSDI payments are scheduled for November 1, 13, 20, and 27 based on birth dates.
What is the maximum SSI amount in November?
SSI pays a maximum of $943 for individuals and $1,415 for couples.
What is the maximum SSDI benefit?
The maximum SSDI payment for high earners in 2024 is $3,822.
What are the eligibility differences between SSI and SSDI?
SSI requires limited income, while SSDI is based on work history and FICA contributions.
