When Social Security Recipients Will Get Their Checks in November

As the year comes to a close, several changes to the November Social Security payment schedule merit your attention if you're a beneficiary of the program.

Roughly 68 million Americans receive Social Security benefits every month, including about 9 out of every 10 people age 65 and up. Social Security funds aren't just for older folks, though. Payments go out to retirees, survivors of late workers, those with little to no resources, disabled workers, the blind, dependents and more.

The average payments for those various groups of people vary, but data from September shows the typical retirement benefit was just over $1,873.

When will I get my November Social Security payment?

Your Social Security payment date is determined by your birthday.

If you were born on the first through the 10th, you can expect to get your Social Security check on the second Wednesday of every month — in this case, Nov. 13.

If you were born on the 11th through the 20th, you can expect to get your Social Security check on the third Wednesday of every month — in this case, Nov. 20.

If you were born on the 21st through the 31st, you can expect to get your Social Security check on the fourth Wednesday of every month — in this case, Nov. 27.

Regardless of your birthday, Supplemental Security Income, or SSI, payments go out on the first of the month. Usually, folks who get both SSI and Social Security, as well those who initially claimed Social Security prior to May 1997, would get their Social Security benefits on the third of the month. However, because that's a Sunday this November, the payment date will be moved to Friday (Nov. 1).

SSI recipients will also get a second payment in the last week of November. That's because the day SSI checks normally go out every month falls on a Sunday in December. So the Dec. 1 SSI payment has been moved up to Nov. 29.

Where is my November Social Security payment?

Check the payment schedule above.

If you think your money is missing, you can reach out to the Social Security Administration (SSA). The SSA has both local offices and a toll-free national number. The national phone number is 1-800-772-1213. Representatives are available weekdays from 8 a.m. to 7 p.m. local time. Pro tip: The agency says wait times are shortest in the morning, late in the week and late in the month.

In any case, the SSA asks that you wait three mailing days before contacting it about a missing Social Security payment.

What is the SSA payment schedule for 2024?

You can find the SSA's payment calendar on its website. It largely follows the schedule laid out above, but as you can tell, some months are different. For instance, there are two SSI payments in November due to the way the calendar is.

To learn more about your payment status or to get additional help with Medicare, retirement benefits, disability, SSI and more, make a "my Social Security" account for free at SSA.gov.

Looking ahead, you can see the Social Security payment schedule for 2025 on the SSA's website.

How do I calculate my Social Security payment?

Benefits are generally calculated according to your average indexed monthly earnings, which include up to 35 years of your highest-earning years. The SSA then applies a formula to determine your primary insurance amount.

The amount of money retirees actually receive depends partially on their age. Though you can start getting Social Security retirement payments at 62 years old, the longer you wait to claim Social Security, the higher your payments will be (until age 70, when the increases stop).

For many Americans, this money is crucial — Social Security accounts for about 30% of the income received by folks over age 65. As people live longer and legislators wrestle over future of Social Security, the cost of retirement for retirees is surging: In 2022, federal data shows retired households spent an average of $54,975, including $11,186 on shelter, $8,065 on transportation and $7,505 on health care.

In October, the government announced the Social Security cost-of-living adjustment for 2025 will be 2.5%. This raise, called the COLA, will affect SSI checks starting on Dec. 31 and Social Security payments starting in January.

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