The Social Security Administration (SSA) has released the payment schedule for November, including Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits.
While SSDI is strictly for people with qualifying disabilities who have paid into the system, SSI is broader and includes not just individuals with disabilities but also seniors and those who are blind.
In some special cases, beneficiaries can receive three different payments in November.
Let’s explore how this happens, focusing on the types of benefits, who qualifies, and how the payment schedule aligns.
SSI and SSDI Payments Explained
SSDI is a benefit for people with disabilities who have earned enough work credits through paying Social Security taxes. It offers monthly support based on your lifetime earnings before you became disabled.
On the other hand, SSI is for individuals with limited income, including seniors, blind individuals, and disabled people. Unlike SSDI, SSI is funded by general tax revenues, not Social Security taxes.
While these programs serve different purposes, some people may qualify for both, which can impact their monthly benefit amounts and payment schedules.
November’s Payment Schedule
In November, there are four scheduled SSDI payment dates and two SSI payment dates. Here’s a breakdown:
- November 1: SSI payment for those who qualify, including eligible seniors, blind individuals, and disabled people. SSDI payments will also be sent to those who started receiving benefits before May 1997 or are eligible for both SSDI and SSI.
- November 13, 20, and 27: Additional SSDI payments are scheduled. However, beneficiaries who receive the November 1 SSDI payment will not receive another SSDI check on these dates.
- November 29: Another SSI payment, this time an advance check for December.
Thus, people receiving both SSI and SSDI benefits may get three checks in November, under the right conditions.
| Date | Payment Type | Who Will Receive It |
|---|---|---|
| November 1 | SSI & SSDI | SSI recipients and SSDI recipients pre-May 1997 |
| November 13 | SSDI | Regular SSDI recipients |
| November 20 | SSDI | Regular SSDI recipients |
| November 27 | SSDI | Regular SSDI recipients |
| November 29 | SSI | Early SSI payment for December |
Who Will Receive Three Payments?
There are some specific situations where individuals will receive three payments in November:
- SSI and SSDI Recipients: If you qualify for both programs, you will receive an SSI check on November 1 and November 29 (early payment for December), as well as an SSDI check on November 1. This adds up to three payments in total.
- SSDI Pre-May 1997 Recipients: If you started receiving SSDI before May 1997 and also qualify for SSI, you will get both the SSDI and SSI payments on November 1, along with the early December SSI check on November 29.
For most other beneficiaries, they will receive either one SSI payment or one SSDI payment, depending on their situation.
Maximum Payments and Amounts
The maximum payment amounts for SSI and SSDI vary. In 2024, SSI recipients can get up to $943 if they are single, while married couples can receive up to $1,415. On average, SSDI recipients get a check worth around $1,539.
However, if you’re receiving both SSI and SSDI, your SSDI benefit may be lower than this average.
If your combined benefits are still not enough to cover basic needs, such as food, you can consider applying for SNAP (Supplemental Nutrition Assistance Program) benefits to supplement your income.
Why the Extra SSI Check?
It might seem confusing, but the extra SSI payment in November is actually the December check sent early because the payment date falls on a weekend.
SSI checks are typically issued on the first of the month, but if the first falls on a weekend or holiday, the SSA sends the payment early. Hence, the November 29 payment is for December, but it counts as an extra payment within November.
Key Dates for SSI and SSDI in November
| Date | Event |
|---|---|
| November 1 | SSI and SSDI payment |
| November 13 | SSDI payment |
| November 20 | SSDI payment |
| November 27 | SSDI payment |
| November 29 | Early SSI payment for December |
As you can see, the SSA payment schedule aligns to give some recipients up to three checks in November.
If you’re receiving both benefits, check your calendar carefully to see how these payments apply to you.
With some planning, you can manage your finances more effectively during months like November, when extra payments are involved.
FAQs
Why will some people get three payments in November?
SSI and SSDI recipients may receive three checks due to an advance SSI payment.
When is the extra SSI payment in November?
The extra SSI check is sent on November 29 for December.
Can someone get multiple SSDI payments in November?
No, you can only receive one SSDI payment per month.
What’s the maximum SSI payment in 2024?
For singles, the max SSI is $943, and for couples, it’s $1,415.
How much is the average SSDI check?
The average SSDI payment is around $1,539.
