November SSI Payments of Up to $994 Arrive Oct. 30, Leaving No Check in November

Supplemental Security Income recipients will get their November payments, worth up to $994 for an individual, on Friday, Oct. 30, because Nov. 1 falls on a Sunday.

The early deposit is not an extra check. It means SSI recipients receive two payments dated in October and none in November, AL.com reported. The next regular payment arrives Tuesday, Dec. 1.

SSI is paid on the first of each month unless that date falls on a weekend or federal holiday, in which case it goes out on the prior business day, according to the Social Security Administration’s 2026 payment schedule.

The 2026 federal maximum is $994 a month for an eligible individual and $1,491 for an eligible couple, according to the agency’s Federal Register notice. Actual payments vary with income and state supplements.

More than 7 million low-income seniors and people who are blind or disabled receive SSI. AL.com put the average payment at about $740 a month.

Two Payments in December, and a Raise

The calendar quirk repeats in December. SSI recipients will be paid Dec. 1 and again on Thursday, Dec. 31, because Jan. 1 is the New Year’s Day federal holiday.

That Dec. 31 deposit will be the first to include the 3.6% cost-of-living adjustment for 2027, which the agency announced Oct. 14. About 7.3 million people receiving SSI will see the increase.

The maximum federal SSI payment will rise to $1,029 a month for an individual and $1,544 for a couple.

“Social Security will implement this cost-of-living adjustment for 76 million Americans, giving them greater financial stability,” Commissioner Frank J. Bisignano said in announcing the increase.

Social Security retirement and disability payments also shift in November, Newsweek reported. People born on the 1st through the 10th, normally paid on the second Wednesday, will be paid Tuesday, Nov. 10, because Nov. 11 is Veterans Day.

Those born on the 11th through the 20th will be paid Nov. 18, and those born on the 21st through the 31st on Nov. 25.

People who began collecting before May 1997, or who receive both Social Security and SSI, will be paid Tuesday, Nov. 3.

For Social Security beneficiaries, the 3.6% raise begins with January payments. The agency estimates the average retirement benefit will rise by $75 a month.

Some advisers note the raise mostly reflects prices retirees have already paid.

“The 3.6 percent COLA raise can make a difference, but it’s also a sign of how much prices have risen due to inflation over the past year,” certified financial planner Tyler End, CEO of Retirable, told Newsweek.

Beneficiaries can view personalized COLA notices in their my Social Security accounts starting in late November. Those without an account must create one and opt into paperless notices by Nov. 18 to see the notice online, the agency said.

Others will receive their notice by mail in December. The agency advises anyone whose payment does not arrive on the expected date to allow three additional mailing days before contacting Social Security.

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