If you and your spouse are both recipients of Supplemental Security Income (SSI) or Social Security benefits, November 2024 could be a significant month for your household finances.
The Social Security Administration (SSA) has confirmed the payment schedule, and many married couples can expect two payments on the same day, depending on their eligibility for SSI and Social Security benefits.
Let’s break down the key details regarding the payment schedule and amounts for SSI and Social Security recipients in November.
November Payments: Important Dates
For SSI recipients, the next check or direct deposit will arrive on November 1, 2024. If you’re part of a married couple, your payment will be higher than the individual SSI amount, as couples receive more due to combined household benefits.
But that’s not all—couples who also qualify for Social Security retirement benefits or Social Security Disability Insurance (SSDI) may also receive their regular Social Security payments on the same day.
In short, if you are a married couple eligible for both SSI and Social Security, you will likely receive two checks or direct deposits on November 1.
Double Payments for Married Couples
Receiving both SSI and Social Security payments on the same day isn’t uncommon for married couples who meet the eligibility criteria.
For example, a couple where both partners receive SSI may also qualify for Social Security retirement benefits or SSDI. When this happens, couples can get two payments on the same payday—one for SSI and one for Social Security or SSDI.
It’s important to note that the same rules apply to individuals. If you’re a single person who qualifies for both SSI and Social Security or SSDI, you’ll also receive two payments on November 1.
Payment Amounts in November
As you prepare for the November payments, keep in mind that these will not include the 2025 cost-of-living adjustment (COLA) increase. This adjustment won’t kick in until the December 31 SSI payment and the January 2025 Social Security payments.
Here’s what you can expect for average payments:
| Type of Benefit | Average Monthly Payment |
|---|---|
| Social Security (Retirees) | $1,920 |
| SSDI | $1,539 |
| SSI (Average) | $698 |
| SSI (Seniors aged 65+) | $575 |
| Spouses of Retired Workers | $909 |
| Spouses of Workers with a Disability | $421 |
As you can see, married couples may receive more than individuals, especially when both partners qualify for SSI and Social Security.
For instance, a couple on SSI will receive higher monthly payments than a single recipient. Plus, if one or both spouses qualify for Social Security, that adds even more to their combined income.
Plan Ahead for 2025 COLA Increase
While the November payments won’t reflect the COLA increase, it’s something to look forward to for future payments.
The COLA is an annual adjustment that helps Social Security benefits keep up with inflation, and recipients will see the boost in their December 31 SSI payment and January 2025 Social Security benefits.
If you’re a married couple, this increase can further enhance your household’s budget. Stay tuned for the SSA’s announcements on exact COLA percentages.
Spousal Benefits: Adding More to Your Income
If you’re married, you may be eligible for spousal benefits on top of your own Social Security retirement or disability benefits. Here’s a quick look at the average spousal benefits:
- Spouses of retired workers: Average payment of $909 per month.
- Spouses of workers with a disability: Average payment of $421 per month.
These benefits can provide a meaningful addition to your household income, especially if both partners are retired or disabled. Be sure to check with the SSA to see if you qualify for spousal benefits, as this can help further boost your monthly finances.
FAQs
Will I get two payments if I receive both SSI and Social Security?
Yes, if you qualify for both, you will receive two payments on November 1.
When will I receive my SSI payment in November?
You will receive your SSI payment on November 1, 2024.
Does November’s payment include the COLA increase?
No, the COLA increase will take effect with the December 31 SSI payment and January 2025 Social Security payments.
How much does a retired worker’s spouse typically receive?
On average, spouses of retired workers receive $909 per month.
Can married couples receive higher SSI payments than individuals?
Yes, couples generally receive higher SSI payments than individuals.
