Social Security Payment Schedule: When Is Your November Check Arriving?
Check your birth date to determine when your November payment will arrive. Remember, the SSA pays one month in arrears, so this check covers your October 2026 benefit.
Social Security payments are paid on the second, third, or fourth Wednesday of the month, depending on your birthday. However, the usual schedule will change in November because of two upcoming holidays and a weekend. Supplemental Security Income is generally paid at the beginning of each month, but recipients will receive their November payment slightly earlier than usual.
Social Security is a source of retirement income for almost seven in 10 Americans, with nearly $1.4 trillion in benefits paid out each year. With the cost of living continually rising, it's important to know when your check will arrive so you can budget and manage your finances.
To learn more about SS benefit payments and how your check measures up to your peers, take a look at what the average Social Security check is by age. Then, take a look at: 2027 COLA Estimate Takes Another Dip Despite High Prices.
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Social Security Disability Insurance benefits
If you receive both Social Security and SSI (Supplemental Security Income), or you started receiving retirement, spousal, or survivor benefits before May 1997, your check will typically arrive on the third of every month. However, if that date lands on a holiday or a weekend, your benefits will arrive earlier.
For instance, November's SSI payment will arrive on October 30 because November 1 falls on a Sunday.
Also, if you get auxiliary benefits on someone else’s earnings record, spousal or survivor benefits, for example, your payment date is determined by that person’s birthday, not yours.
November Social Security payment dates
The Social Security Administration (SSA) prepares payment schedules before distributing benefits, ensuring you receive your payments on time.
These are the dates you can expect your monthly payments for November (PDF):
- November 3 - You'll receive a Social Security payment on this date if:
- You live outside the U.S.
- You receive both SSI and Social Security benefits
- Your state pays your Medicare premiums
- You filed for Social Security benefits before 1997
- November 10 - You should receive your Social Security payment on the second Wednesday of the month if your birthday falls on any day from the first to the 10th of your birth month.
- November 18 - If your birthday falls on any day from the 11th to the 20th of your birth month, you’ll get your Social Security payment on the third Wednesday of the month.
- November 25 - You’ll get your Social Security payment on the fourth Wednesday of the month if your birthday falls after the 20th of your birth month.
For a more detailed schedule, see Social Security Payment Schedule for 2026.
2027 COLA
In 2027, you will see your Social Security cost-of-living adjustment (COLA) benefits increase by 3.6%, following an announcement by the SSA on October 14. The adjustment is higher than the 2.8% increase in 2026, and nearly matches the long-term historical average of 3.8%. David Payne, economist for The Kiplinger Letter, was right on the mark and projected the 3.6% COLA.
According to the SSA, the average monthly benefit is expected to increase by $75, to $2,170. For couples where both spouses receive retirement benefits, the average combined payment will increase to $3,355.
The average monthly payment for disabled workers will increase to $1,701, and the maximum federal SSI payment for an individual will increase to $1,029, with the maximum for eligible couples rising to $1,544.
Medicare Part B premiums taking a bigger chunk out of your 2027 Social Security checks
If you're like most Social Security beneficiaries who have their Medicare Part B premiums deducted directly from their Social Security check each month, you may see a bigger chunk taken out of your check in 2027 as Medicare premiums are set to rise again.
The projected 2027 Medicare Part B premium is $209.50 per month, up $6.60 from 2026, and some higher-income people may also pay an IRMAA surcharge based on their 2025 income. The projected 2027 base beneficiary premium for Medicare Part D is $41.33 per month, though your actual Part D premium can be higher or lower depending on your plan.
But don't panic just yet. Medicare has a hold harmless provision that ensures that any increase to your Medicare Part B premium never causes your Social Security benefit to decrease. At worst, you'll continue to receive the same benefit you got this year.
How to report a missing Social Security payment
If you don’t receive your electronic payments on the scheduled date, contact your bank or financial institution. Sometimes, the Social Security Administration experiences a delay in posting your payment.
If you still need help, call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778) or contact your local Social Security office.
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