Some retirees are set to receive their November Social Security checks earlier than others, depending on when they filed and their eligibility. Here’s a breakdown of when you might get paid and how much you could receive.
Who Will Get Paid on November 1?
If you filed for Social Security benefits before May 1997, you might receive your payment on November 1. However, this date mainly applies to individuals who:
- Filed before May 1997.
- Do not receive Supplemental Security Income (SSI).
- Are not currently aged 66 or 67.
Payments Starting November 13
For retirees aged 66 to 67 who filed for Social Security after April 30, 1997, the first set of November payments will be sent on November 13. These individuals must meet specific conditions to receive up to $3,822, including:
- Full Retirement Age Filing: Filing at the full retirement age (typically 66 or 67).
- 35-Year Work History: Working for 35 years in jobs covered by the Social Security Administration (SSA).
- Contribution Base: Meeting the SSA’s contribution and benefit base for those 35 years.
Other Payment Dates in November
Depending on your birthdate, payments in November will follow this schedule:
- November 20: For birthdays between November 11 and November 20.
- November 27: For birthdays after November 20.
This staggered schedule ensures timely processing of payments.
Average Social Security Payments for Retirees
The average yearly Social Security retirement benefit is about $1,920 per month as of August 2024. While some retirees aged 66 to 67 may receive lower amounts, others could qualify for higher benefits based on work history and filing age.
If you delay filing until age 70, your benefits can increase by about 24%, adding significant value to your retirement income.
What About the 2025 COLA?
The November payouts do not include any adjustments from the upcoming 2025 Cost-of-Living Adjustment (COLA). These changes will be reflected in future payments.
November Social Security payments depend on your filing date, birthdate, and eligibility.
While the average monthly benefit is $1,920, filing at the right time or delaying benefits can significantly increase your amount. Keep these dates and tips in mind to manage your retirement income effectively.
1. Who gets their Social Security check on November 1?
People who filed before May 1997 and do not receive SSI might get paid on November 1.
2. Can I get $3,822 if I receive SSI?
No. Individuals receiving both SSI and Social Security usually get a smaller payment.
3. When will I get my payment if my birthday is in November?
Birthdays from November 11-20: Paid on November 20.
Birthdays after November 20: Paid on November 27.
4. How can I maximize my Social Security benefits?
Working for 35 years, filing at full retirement age, and delaying benefits until age 70 can help increase payments.
5. Are COLA increases included in November payments?
No, the 2025 COLA adjustments are not part of the November payouts.
