Here’s When November Social Security Payments Go Out as Veterans Day Moves One Date Up

Social Security’s November payments start going out Tuesday, Nov. 3, with the average retirement benefit set to rise about $75 a month in January under a 3.6% cost-of-living adjustment (COLA).

Beneficiaries who started collecting before May 1997 are paid on the 3rd of each month, as are people who receive both Social Security and Supplemental Security Income, AARP explains.

Everyone else is paid on a Wednesday tied to their birth date. People born on the 1st through the 10th are normally paid on the second Wednesday, but Nov. 11 is Veterans Day, so that payment arrives a day early.

Here is the November schedule:

• Tuesday, Nov. 3: beneficiaries who began receiving benefits before May 1997 and those who receive both Social Security and SSI
• Tuesday, Nov. 10: birthdays on the 1st through the 10th
• Wednesday, Nov. 18: birthdays on the 11th through the 20th
• Wednesday, Nov. 25: birthdays on the 21st through the 31st

People who draw spousal or survivor benefits are paid according to the birthday of the worker whose record they collect on. The agency adopted the staggered schedule in June 1997, after decades of paying everyone on the 3rd.

Payments cover the previous month, so the November deposit is the October benefit. Nearly all beneficiaries are paid by direct deposit or a Direct Express debit card.

Only about 202,000 people, roughly 0.3% of beneficiaries, still received paper checks as of October, according to AARP. Federal agencies are phasing out paper payments under an executive order President Donald Trump signed in March 2025.

Supplemental Security Income, normally paid on the 1st, went out early on Friday, Oct. 30, because Nov. 1 fell on a Sunday. The next SSI payment is due Dec. 1, Money reported.

The Social Security Administration asks beneficiaries to wait three mailing days before contacting it about a missing payment. Its national number is 1-800-772-1213.

Bigger Checks Coming in January

Nearly 72 million Social Security beneficiaries will see the 3.6% increase starting in January 2027, and higher payments for about 7.3 million SSI recipients begin Dec. 31, the agency announced Oct. 14.

It is the largest annual raise in four years and reflects higher inflation driven partly by soaring fuel prices tied to the war with Iran, CBS News reported. The average monthly payment will rise to about $2,170.

“While a 3.6% COLA is certainly welcome, it wouldn’t necessarily restore the purchasing power seniors have already lost,” Shannon Benton, executive director of the Senior Citizens League, told CBS News.

Medicare has not yet announced its 2027 Part B premium. That premium is deducted automatically from many beneficiaries’ checks and could absorb part of the raise.

The longer-term picture remains a concern. Social Security’s trustees projected in June that the retirement and survivors trust fund will be depleted in the fourth quarter of 2032.

Unless Congress acts before then, CBS News reported, beneficiaries would face an across-the-board benefit cut of more than 20%.

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