When do I get my Social Security, SSI benefits? First round of November payments comes this week

Of the over 71 million Americans who receive regular Social Security payments, some will receive their November benefits this week.

Here’s what to know about the upcoming Social Security payments.

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When will I get my September disability payment? Social Security payment schedule 2025

The Social Security Administration’s yearly distribution schedules for 2025 and 2026 are available online so that you can use the calendar for budgeting purposes.

Regular Social Security retirement benefits are being sent out on the SSA’s schedule, with the first round of November payments arriving this Wednesday:

For retirees and disability beneficiaries who began receiving payments after May 1997, the November payment schedule is as follows:

• Wednesday, Nov. 12 — for those with birthdays between the 1st and 10th

• Wednesday, Nov. 19 — for birthdays between the 11th and 20th

• Wednesday, Nov. 26 — for birthdays between the 21st and the end of the month

Those who started receiving benefits before May 1997 — or who receive both Social Security and SSI — should have received their payments on Monday, Nov. 3.

SSI payment schedule 2025

Those who receive SSI should have received their November 2025 payment early, on Oct. 31, since Nov. 1 fell on a Saturday. Ihe SSA doesn’t issue payments on weekends or federal holidays. Because SSI benefits arrived early, there will be no payment made during the month of November.

The Social Security Administration suggests that if you didn’t receive your payment on the expected date, allow three additional mailing days before contacting the agency; most arrive timely because 99% of beneficiaries are paid electronically.

Recipients will also get two checks in December on the following dates:

• Monday, Dec. 1, 2025 (Check for December 2025)

• Wednesday, Dec. 31, 2025 (Check for January 2026)

Are Social Security offices open during the government shutdown?

Yes, SSA offices and online services remain open during government shutdowns. However, the lapse in funding restricts some actions. The following services cannot be provided during a government shutdown:

• replacing Medicare cards

• issuing a proof of income letter

• updating or correcting earnings records

What is the 2026 COLA increase for Social Security?

Social Security benefits and Supplemental Security Income (SSI) will increase 2.8% in 2026, the Social Security Administration announced on Oct. 24. The announcement was delayed by nine days due to the government shutdown.

Retirement benefits will increase by an average of about $56 per month, beginning in January 2026. While this rate is lower than the average increases over the last decade (3.1%), it’s a boost from the 2.5% COLA adjustment for 2025.

“Social Security is a promise kept, and the annual cost-of-living adjustment is one way we are working to make sure benefits reflect today’s economic realities and continue to provide a foundation of security,” SSA Commissioner Frank J. Bisignano said. “The cost-of-living adjustment is a vital part of how Social Security delivers on its mission.”

Prior to each year, the SSA adjusts benefits for Social Security and SSI recipients to keep pace with inflation. COLA is a percentage by which benefits increase from December to January of the next year, based on third-quarter (July-September) inflation. The agency uses inflation figures from the Labor Department’s September Consumer Price Index data.

Why is my Social Security check smaller this month? What to know about Social Security repayments

Those who have been overpaid by the Social Security Administration and haven’t begun the repayment process may have noticed their monthly benefits shrinking. At the end of July, the SSA began withholding 50% of monthly benefits from individuals with outstanding overpayments. This marks a new phase in the agency’s effort to recover billions in accidental overpayments.

While the SSA hasn’t publicly confirmed how many beneficiaries are affected, records obtained via a Freedom of Information Act request show the agency attempted to reclaim overpayments from about 2 million people in the fiscal year ending September 2023, according to KFF and Cox Media Group.

If you received more money than you were entitled to through Social Security or Supplemental Security Income (SSI) and haven’t arranged a repayment plan, your benefits may be reduced by half. This applies even if the overpayment wasn’t your fault.

Under its new policies, the SSA said it would begin issuing overpayment notices on April 25, 2025, and would start withholding 50% of the recipient’s benefits after about 90 days (or approximately July 24, at the earliest), until the overpayment is repaid.

• Withholding began: Around July 24, 2025, depending on when you received your overpayment notice

• Waiver requests: You can ask the SSA to waive the repayment if:

  • The overpayment wasn’t your fault

  • You can’t afford to repay

  • Repayment would be unfair

Waiver and repayment information is available on the SSA website.

What is SSI?

Supplemental Security Income provides monthly benefits to those with limited income or resources who are 65 or older, blind or have a qualifying disability. Children with a qualifying disability can also get SSI, according to the SSA’s website.

In general, adults who qualify for SSI do not have monthly wages above $2,019.

Those who may be eligible for SSI can begin the application process online, in person at their local Social Security office, or by calling 1-800-772-1213 (TTY 1-800-325-0778) from 8 a.m. to 7 p.m. local time, Monday through Friday.

How to obtain a Social Security card

The SSA will replace a lost or stolen Social Security card for free, with three options available.

Online

The most convenient and secure method, you may request a new Social Security card online if you:

• are a U.S. citizen age 18 or older

• have a U.S. mailing address

• don’t need to change the name or other information on the card

• have a driver’s license or state-issued ID

In-person

An application for a new card can be completed by visiting a local Social Security office. You may be able to start the application (Form SS-5) online before scheduling an appointment, or fill out the entire application in-office. In addition to Form SS-5, you must bring unexpired identification documents to the office.

By mail

The third and final option for getting a new Social Security card is by mail. You can complete the application (Form SS-5) and mail it along with original or certified copies of required documents, which include those that verify:

• identity: U.S. driver’s license, state-issued non-driver identification card or U.S. passport

• U.S. citizenship: U.S. birth certificate or U.S. passport.

Once approved, the SSA will typically send you a replacement card within 7 to 10 business days.

What is the Social Security full retirement age for 2025?

The full, or “normal,” retirement age has gradually increased in recent years, rising by two months for each successive birth year. For example, if you were born in 1958, your full retirement age is 66 years and 8 months, while those born in 1959 will reach it at 66 years and 10 months.

According to the SSA, individuals born between May 2, 1958, and February 28, 1959, will reach their full retirement age in 2025. For those born in 1960 and later, the full retirement age will increase to 67.

Due to estimations that Social Security will run out of money by 2034, it’s possible the retirement age could increase again under the Trump administration. In September, SSA Commissioner Frank Bisignano suggested to Fox Business that the agency was considering raising the retirement age from 67; however, he later rescinded his comment and issued the following statement:

Let me be clear: President Trump and I will always protect, and never cut, Social Security. That’s why we have made many vital reforms, such as cutting waste, fraud, and abuse from the program, to ensure the solvency of Social Security for future generations of Americans. Raising the retirement age is not under consideration.

Can people under the retirement age get their benefits now?

Yes, but there are consequences for tapping in too early. Workers can choose to receive benefits as early as age 62, though at a reduced amount. However, those who delay claiming benefits until age 70 are rewarded with a higher monthly payout.

Other changes to Social Security in 2025 include a smaller cost-of-living adjustment (2.5%, down from 3.4%), an increase in the maximum taxable earnings limit from $168,000 to $176,100, and expanded appointment-based services at Social Security offices nationwide.

What is the maximum Social Security benefit in 2025?

In 2024, the highest Social Security benefit for individuals retiring at full retirement age was $3,822 per month, according to the SSA. Due to certain inflation adjustments in how Social Security is calculated and how past earnings are adjusted for inflation, this maximum benefit will rise to $4,018 per month, totaling over $48,000 annually in 2025.

Social Security office near me

Click here to find a Social Security office near you.