November SSI Payment Countdown – Know When Social Security Will Send COLA Checks

Supplemental Security Income (SSI) recipients can look forward to two payments in November 2024. The Social Security Administration (SSA) has revealed its payment schedule, and there are some unique circumstances this month. The first SSI payment will arrive on November 1, and later in the month, a second SSI payment is set to hit accounts on November 29.

Here’s why this happens and what you can expect.

Two Payments

The SSA typically issues SSI payments on the first day of each month. However, there are special cases when the first of the month falls on a weekend or holiday. This will happen for the December 2024 SSI payment, as December 1 falls on a Sunday. To ensure recipients get their money on time, the SSA has rescheduled the December 1 payment to November 29—Black Friday. This means SSI recipients will get an extra payment at the end of November.

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So, in November 2024, SSI beneficiaries will receive payments on both November 1 and November 29. This is a great opportunity for those who need to do some holiday shopping, as the payment falls on one of the biggest sale days of the year.

Social Security

There’s even more good news for those who receive both SSI and Social Security benefits. For these individuals, November 1 will be a double payday, as both SSI and Social Security payments will be sent on the same day. This is because the usual Social Security payment date for some recipients falls on November 3, but that’s a Sunday. As a result, Social Security checks will be sent two days early, lining up with the SSI payment date.

Amounts

For both the November 1 and November 29 payments, the maximum SSI amounts remain unchanged since the 2025 Cost-of-Living Adjustment (COLA) increase won’t take effect until December 31, 2024.

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Here are the maximum SSI payments for November:

(*An essential person is someone who lives with and provides care to an SSI recipient and does not qualify for SSI themselves.)

These amounts do not include the upcoming 2025 COLA boost, which will be reflected in SSI payments starting from December 31, 2024.

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Increase

The SSA has confirmed that the 2025 COLA increase, set at 2.5%, will apply to SSI payments starting on December 31, 2024. This payment, which is technically for January 2025, will be the first to include the COLA boost. Here’s how the COLA will impact SSI payments:

With the COLA increase, single individuals can receive up to $967, while eligible couples can get up to $1,450. Essential persons will also see a small boost, with their maximum payment increasing to $484.

Applications

SSI is designed to help those who are aged 65 or older, blind, or disabled, and have limited income and resources. If you know someone who may qualify for SSI but isn’t receiving it yet, encourage them to apply. Many people are eligible but don’t know how to access these benefits. Assisting someone with the application process could make a huge difference in their financial situation.

What to Expect

For November 2024, SSI recipients will see two payments—one on November 1 and another on November 29. Starting December 31, 2024, the 2025 COLA increase will take effect, and payments will be slightly higher going forward. Be sure to mark these key dates on your calendar and keep an eye out for both payments this November.

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