Supplemental Security Income (SSI) recipients who are disabled and get Social Security get a small surprise in November: they will get an extra payment. This isn’t an increase in benefits; it’s just a change to the calendar that means people will get two payments in the same month.
The reason is easy to understand: the December calendar says that the payment for that month needs to be made at the end of November.
People who get SSI usually get their money on the first business day of every month. The Social Security Administration (SSA), on the other hand, moves the payment to the last business day of the previous month if this date falls on a holiday or weekend.
This year, the SSA has moved the December payment to Friday, November 29 because December 1 is a Sunday. So, people who get SSI will get deposits on both November 1 and November 29.
Why will there be an extra payment for disability beneficiaries in November?
This change to the payment schedule is meant to make sure that recipients get their money on time, so there are no delays that could affect people who depend on these payments to pay for basic needs.
What is the Supplemental Security Income (SSI) program?
People with low incomes and few resources can get help from SSI. This includes disabled adults and older adults. SSI is not paid for by payroll taxes like Social Security retirement or Social Security Disability Insurance (SSDI).
Instead, it comes from the U.S. Treasury. This makes it possible for people with little or no work history to get financial help.
The most a person can get from SSI each month in 2024 is $943, and the most a couple can get is $1,415 if they meet the requirements. A 2.5% Cost-of-Living Adjustment (COLA) will be added to these amounts in 2025. This will help beneficiaries keep their purchasing power in the face of inflation.
Social Security payment schedule for November
The SSA not only gives out SSI payments, but also Social Security retirement benefits. These are paid out every month based on the beneficiary’s birthday. The retirement payment schedule for November looks like this:
- November 13: for those born between the 1st and 10th of any month
- November 20: for those born between the 11th and 20th
- November 27: for those born on or after the 21st
It’s essential for beneficiaries to know these dates, especially those who rely on their payments to manage their monthly finances.
Adjustments to the payment schedule for 2025
There will be some changes to the SSI schedule in 2025 because of holidays and weekends. Beneficiaries should be aware of these. Because January 1 is a holiday, the January payment will be made on December 31, 2024.
Also, payments will be made at the end of each month in February and March. This means that there will be no SSI payment in March. Because the same thing will happen in May and August, there will be no SSI payments in June or September either.
These changes to the calendar may seem odd, but they’re how the SSA makes sure that beneficiaries don’t have to wait because of holidays.
Differences between SSI and SSDI: how do these programs differ?
People often mix up SSI and SSDI because both help disabled people, but there are important differences between the two. For SSDI, which is paid for by payroll taxes and requires proof of work history, you don’t need to have worked before to get help from SSI.
For SSDI, you need to have worked and paid into Social Security for a certain number of years. For SSI, you only need to meet income and resource requirements.
This difference is important because payments can be made at different times and in different amounts under the two programs. For example, SSDI payment dates aren’t changed for holidays like SSI payment dates are. This makes the schedule more stable and predictable for people who receive it.
How will the Cost-of-Living Adjustment affect benefits in 2025?
The Cost-of-Living Adjustment (COLA) means that people who get SSI will get 2.5% more in payments next year. The goal of this increase is to help people keep their purchasing power in the face of inflation, which is still a big problem for the economy.
With the COLA, the average monthly payment will be about $1,957. This will help recipients adjust their budgets as the cost of living rises.
This increase is especially important for people who depend on Social Security, like disabled people and older adults whose medical and housing costs tend to go up every year.
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