As 2025 approaches, there’s good news for people receiving Supplemental Security Income (SSI) or Social Security benefits.
Between November and December, beneficiaries can receive up to five payments, including the 2025 Cost-of-Living Adjustment (COLA).
These payments provide extra financial security to help cover holiday expenses and start the new year on a positive note.
What Are the Key SSI and Social Security Payment Dates for November?
The Social Security Administration (SSA) has scheduled the following payments in November:
- November 1: Monthly SSI payment for November.
- November 1: Payment for Group 2 retirees (birthdays between the 1st and 10th).
- November 20: Payment for Group 3 retirees (birthdays from the 11th to the 20th).
- November 27: Payment for Group 4 retirees (birthdays between the 21st and 31st).
- November 29: An advanced SSI payment for December since December 1 falls on a weekend.
December Payment Schedule: What’s Different?
In December, recipients will get regular Social Security payments, along with a special SSI payment on December 31 that includes the 2025 COLA increase. Key dates include:
- December 11: Payment for Group 2 retirees.
- December 18: Payment for Group 3 retirees.
- December 25: Payment for Group 4 retirees.
- December 31: Additional SSI payment with the COLA increase.
The December 31 payment allows beneficiaries to access their 2025 COLA adjustment early, offering financial support ahead of the new year.
Understanding COLA and Its Impact
COLA, or Cost-of-Living Adjustment, ensures that Social Security and SSI payments keep pace with inflation. Based on the consumer price index, the 2025 COLA increase is set at 2.5%.
- What does this mean? Beneficiaries will see a slight rise in their monthly payments starting in January 2025. The December 31 SSI payment will reflect this increase, providing early access to the adjusted amount.
- Why is COLA important? It helps offset inflation’s impact on living costs, ensuring beneficiaries maintain purchasing power.
Why These End-of-Year Payments Matter
The additional payments in November and December give beneficiaries extra financial support during the holiday season. This timing helps cover year-end costs like gifts, travel, and increased utility bills.
For many, these payments offer peace of mind and help bridge the gap between regular monthly payments and holiday expenses. The COLA increase adds even more value, ensuring recipients can meet their needs as 2025 begins.
The end-of-year Social Security and SSI payment schedule is designed to provide beneficiaries with financial stability during the holidays and into 2025.
With up to five payments and the 2025 COLA adjustment, recipients can better manage increased expenses and start the new year with confidence.
1. What is the 2025 COLA increase?
The 2025 COLA adjustment is a 2.5% increase in monthly payments to keep up with inflation.
2. Why is there an additional SSI payment on November 29?
Since December 1 falls on a weekend, the SSA sends the December SSI payment early to avoid delays.
3. When will the COLA increase show up in my payments?
The December 31 SSI payment will reflect the COLA increase, and all other beneficiaries will see it in their January 2025 payments.
4. How do I know which payment group I belong to?
Payment groups are determined by your birthdate:
Group 2: Birthdays between the 1st and 10th.
Group 3: Birthdays from the 11th to the 20th.
Group 4: Birthdays between the 21st and 31st.
5. How does COLA help me?
COLA ensures your benefits keep pace with rising living costs, offering extra financial security.
