In the whole territory of the United States, the 2024 cost-of-living adjustment (COLA), which remains at 3.2% throughout the year, will continue to benefit the millions of people who depend on Social Security for their livelihood. While this increase has been a help, it remains a topic of debate, as beneficiaries feel that the increase has not been enough to cover rising inflation, especially in services such as health and food.

This adjustment has affected retirement payments as well as disability benefits and Supplemental Security Income (SSI), providing partial relief, although some still express concern about the insufficiency of the adjustment in the face of rising prices. In November 2024, Social Security payments will follow the same pattern established during the rest of the year, with the corresponding payments being reflected in this month with the COLA already implemented.

Some of the payments for the month of November 2025 will have certain irregularities. Thus, next month’s payment schedule will have different days for sending the money. But there is nothing to worry about, as the Social Security Administration will send payments to all beneficiaries.

Social Security payment days in November 2024

Social Security payments are distributed according to the beneficiaries’ day of birth and the type of benefit they get. In November, the key dates are as follows:

• Friday, November 1st:
  • Supplemental Security Income (SSI) payment .
  • Payment for pre-May 1997 retirees.
• Wednesday, November 13. Beneficiaries born between the 1st and 10th of each month (and retirees after May 1997).
• Wednesday, November 20. Beneficiaries born between the 11th and 20th of each month (and retirees after May 1997).
• Wednesday, November 27. Beneficiaries born between the 21st and 31st of each month (and retirees after May 1997).

The payment dates for SSI and pre-May 1997 retirees are especially important for these groups, as they follow an irregularity in the usual Social Security payment schedule. The first of these SSI payments does arrive as usual, but the second check is actually an advance payment for the month of December.

What is the Social Security maximum in November 2024?

The 2024 COLA, which provides for a 3.2% increase, will impact Social Security payments. While the adjustment offers some relief, some beneficiaries feel it is not enough to cover rising living costs, especially in areas such as health care and housing. Payments for different categories of beneficiaries will be as follows:

• Full retirement: The maximum payment will be $3,822 per month.
• Early retirement: The maximum payment will be $2,710 per month.
• Disability: The maximum payment will be $3,822 per month.
• Delayed Retirement: The maximum payment will be $4,873 per month.

Although these increases provide relief, the reality is that the beneficiaries of these payments face economic challenges due to inflation and the rising costs of essential goods and services. Remember that all Social Security payments are directly dependent on each citizen’s work history, so each retiree has a different, individual check.