In November, new Social Security payments are set to be distributed across the United States. The Social Security Administration (SSA) will manage these payments, ensuring that eligible American retirees receive their checks or direct deposits on schedule.
This guide provides details on the November payment dates and expected amounts, allowing retirees to stay informed about what to expect this month.
Understanding November’s Payment Schedule for Retirees
For retirees, it’s important to note that none of the November Social Security payments will include the 2025 Cost of Living Adjustment (COLA) increase.
The 2.5% COLA boost, aimed at addressing inflation, will not take effect until the first scheduled payment of the new year on January 3. Thus, retirees should anticipate similar payment amounts to those received in prior months of 2024.
November Payment Dates Based on Birthdays
Three remaining payments are scheduled for retirees who did not qualify for an early November payment. Payments were sent on November 1 to beneficiaries who began receiving Social Security before May 1997 and those eligible for Supplemental Security Income (SSI) and Social Security.
- Retirees with Birthdays from the 1st to the 10th: Payments issued on November 13
- Retirees with Birthdays from the 11th to the 20th: Payments issued on November 20
- Retirees with Birthdays from the 21st to the 31st: Payments issued on November 27
It’s essential to remember that only retirees who have applied for Social Security are eligible to receive these payments. The age at which you apply can also significantly impact your monthly benefit. For example, filing for benefits at age 62 typically results in a 30% reduction in payment.
Maximum Social Security Benefit for November
For November, the maximum Social Security benefit a retiree can receive is capped at $4,873. With the 2.5% COLA not yet applied, this maximum remains consistent with the previous months’ limits for 2024.
Average Benefit Amounts for Retirees
On average, retirees receive approximately $1,921 each month, although this amount can vary based on the individual’s work history and earnings. As a result, not all retirees receive identical benefit amounts, with payments tailored to their contributions during their working years.
Spousal and Dependent Benefits
After applying for Social Security, it’s possible for your spouse or children to receive benefits under your record, provided they meet the necessary eligibility requirements. Currently, the average benefit check for spouses is $909, while the average check for children stands at about $892.
| Beneficiary Type | Average Payment | Maximum Payment | Payment Date (November) | Eligibility |
|---|---|---|---|---|
| Early Social Security & SSI Recipients | Varies | N/A | November 1 | Recipients before May 1997 |
| Retirees (Birthdays 1-10) | $1,921 | $4,873 | November 13 | Retiree birthdays 1-10 |
| Retirees (Birthdays 11-20) | $1,921 | $4,873 | November 20 | Retiree birthdays 11-20 |
| Retirees (Birthdays 21-31) | $1,921 | $4,873 | November 27 | Retiree birthdays 21-31 |
| Spouses | $909 | Varies | Dependent on retiree | Spouse eligibility |
| Children | $892 | Varies | Dependent on retiree | Child eligibility |
FAQs
Will the 2025 COLA be included in November payments?
No, the 2025 COLA increase of 2.5% will not be included in November payments. The first payment reflecting this increase will be issued on January 3, 2025.
How are payment dates determined for retirees?
Social Security payment dates for retirees are based on the retiree’s birthday. Those with birthdays on the 1st-10th receive payments on the second Wednesday, 11th-20th on the third Wednesday, and 21st-31st on the fourth Wednesday of the month.
What is the maximum benefit amount a retiree can receive?
The maximum Social Security benefit for retirees in November is $4,873. This amount will increase slightly once the COLA adjustment is applied in January.
Can spouses or children receive benefits on a retiree’s record?
Yes, spouses and children may receive benefits based on the retiree’s record if they meet eligibility requirements. The average monthly benefit for spouses is $909, while children receive an average of $892.
How does applying at age 62 affect my Social Security benefits?
Applying at age 62 results in a 30% reduction in benefits compared to waiting until full retirement age. This early application reduces monthly payments but allows for an extended period of benefit receipt.