Retirees to Receive Two Social Security Checks in November – Official Announcement

With the final stretch of 2024 underway, retirees must carefully plan their finances. As the holiday season approaches, budgeting becomes more important, especially with Halloween, Thanksgiving, and Christmas shopping just around the corner. Managing Social Security income properly can help retirees avoid cash flow issues during these festive months. A good starting point is knowing when Social Security payments will arrive to keep everything on track.

Calendar

While most October payments have been distributed, it’s worth reviewing the payment dates to ensure nothing was missed:

• October 1st (Tuesday): Supplemental Security Income (SSI) payments.
• October 3rd (Thursday): Payments for those who started receiving Social Security before 1997, along with SSDI payments for the same group.
• October 9th (Wednesday): Payments for beneficiaries born between the 1st and 10th of any month, including SSDI payments.
• October 16th (Wednesday): Payments for those born between the 11th and 20th, plus SSDI.
• October 23rd (Wednesday): Payments for individuals born between the 21st and 31st, along with SSDI payments.

November

The November payment schedule is slightly altered due to weekends and holidays:

• November 1st (Friday): SSI payments. Additionally, payments originally scheduled for November 3rd (which falls on a Sunday) will be sent on this day. This includes payments for those receiving Social Security before 1997, as well as SSDI beneficiaries.
• November 13th (Wednesday): Payments for retirees born between the 1st and 10th of any month, along with SSDI payments.
• November 20th (Wednesday): Payments for those born between the 11th and 20th, including SSDI.
• November 27th (Wednesday): Payments for beneficiaries born between the 21st and 31st, plus SSDI.
• November 29th (Friday): Since the SSI payment for December is scheduled for Sunday, December 1st, it will be issued early on November 29th.

While it may seem like there’s an extra payment in November, this adjustment ensures no payments are missed due to weekend closures.

December

December’s payments will also follow some holiday-related adjustments:

• December 3rd (Tuesday): Payments for those who began receiving Social Security before 1997 and SSDI beneficiaries.
• December 11th (Wednesday): Payments for retirees born between the 1st and 10th of the month, along with SSDI payments.
• December 18th (Wednesday): Payments for those born between the 11th and 20th, including SSDI.
• December 24th (Tuesday): Payments for individuals born between the 21st and 31st. These payments are moved up from December 25th (Christmas Day) to ensure they arrive while banks are open.
• December 31st (Tuesday): This is technically the first SSI payment for January 2025. However, since January 1st is a holiday, the payment will be issued early on New Year’s Eve. It will also reflect the 2025 Cost of Living Adjustment (COLA).

Planning Ahead

These adjusted schedules highlight how crucial it is for retirees to stay informed. With payments sometimes shifted due to holidays and weekends, careful planning ensures that cash flow won’t be disrupted. The November 29th payment, for example, might feel like an extra boost, but it’s just an early issuance of December’s SSI benefit.

Retirees should also be mindful of the December 31st payment, as it will already account for the new COLA, giving a glimpse of 2025’s increased benefits. Properly managing these income distributions can help ensure that funds last through the holiday season without compromising financial stability.

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