For Social Security disability beneficiaries receiving Supplemental Security Income (SSI), November provides a pleasant surprise: an extra scheduled payment. This is not a benefit increase, but rather a calendar modification that means recipients will receive two payments in the same month. The rationale is simple: the December calendar necessitates that the month’s payment be issued at the end of November.

Typically, SSI payments are made on the first business day of the month. However, if this day comes on a weekend or holiday, the Social Security Administration (SSA) moves the payment to the final business day of the previous month. This year, because December 1 comes on a Sunday, the SSA has chosen to reschedule the December payment to Friday, November 29. As a result, SSI recipients will receive deposits on November 1 and November 29.

Why will there be an extra payment for disability beneficiaries in November?

This payment schedule adjustment is intended to guarantee that recipients receive their monies on time, eliminating delays that could affect people who rely on these payments to support basic living needs.

What is the Supplemental Security Income (SSI) program?

SSI is a program for persons with limited income and resources, such as the elderly and the disabled. Unlike Social Security retirement and disability insurance (SSDI), SSI is paid by the US Treasury rather than payroll taxes. This permits those with little or no work experience to receive financial support.

For 2024, the maximum monthly SSI payout is $943 for individuals and $1,415 for couples who complete the qualifying requirements. In 2025, these sums will be increased by a 2.5% Cost-of-Living Adjustment (COLA), assisting beneficiaries in maintaining purchasing power in the face of inflation.

Social Security payment schedule for November

In addition to SSI payments, the SSA provides Social Security retirement benefits on a monthly basis, based on the beneficiary’s birth date. The November retirement payment schedule is as follows:

• 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

Adjustments to the payment schedule for 2025

Due to holidays and weekends, the SSI schedule for 2025 will also include a few changes that beneficiaries should be aware of. For example, because January 1 is a holiday, the January payment will be made on December 31, 2024 instead.

Furthermore, in February and March, payments will be made at the end of the previous month, which means there will be no SSI payment in March. A similar situation will exist in May and August, so there will be no SSI payments in June or September.

These calendar adjustments may appear complex, but they are how the Social Security Administration assures that beneficiaries do not face delays due to holidays.

Differences between SSI and SSDI: how do these programs differ?

SSI and SSDI are sometimes mistaken because they both give payments to persons with disabilities, but there are important distinctions. SSI is an aid program that does not require past employment, but SSDI is funded by payroll taxes and requires a work history.

SSDI eligibility is based on the number of years worked and Social Security contributions, whereas SSI eligibility is solely determined by income and resource requirements.

This distinction is essential since the quantity and timing of payments vary between the two schemes. SSDI, for example, does not modify payment dates for holidays in the same manner that SSI does, thus its schedule is more constant and predictable for beneficiaries.

How will the Cost-of-Living Adjustment affect benefits in 2025?

The Cost-of-Living Adjustment (COLA) will result in a 2.5% rise in SSI payments for claimants next year. This boost intends to assist recipients preserve their purchasing power in the face of inflation, which remains a major economic burden. The average monthly benefit under the COLA is estimated to be roughly $1,957, allowing beneficiaries to modify their budgets as living expenses rise.

This increase is especially crucial for those who rely on Social Security benefits, particularly disabled people and the elderly, who confront escalating medical and housing expenditures year after year.

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