Because November 1, 2025 falls on a Saturday, the Supplemental Security Income (SSI) payment for November is paid early on Friday, October 31, 2025.
That means no separate SSI deposit will arrive during November. Regular Social Security retirement, disability, and survivors benefits follow the standard schedule of either the 3rd of the month or the second/third/fourth Wednesday rule.
Social Security payment rules at a glance
- If you received Social Security before May 1997 (or you receive both SSI and Social Security), your Social Security benefit is paid on the 3rd of each month, so for November 2025 that is Monday, November 3, 2025.
- If you filed May 1997 or later, your payday is tied to your birth date, landing on the second Wednesday, third Wednesday, or fourth Wednesday of the month depending on your birth-day range.
- If a scheduled date falls on a weekend or federal holiday, the payment is made on the prior business day. That is why SSI is arriving October 31 this month.
Does Thanksgiving change anything?
Thanksgiving is Thursday, November 27, 2025. It does not shift any Wednesday Social Security payments. (Paper-mailed checks might face normal holiday-week mail slowdowns, but scheduled direct deposit dates stay the same.)
Exact November 2025 payment dates
| Benefit type | Who gets paid | November 2025 date |
|---|---|---|
| SSI (November benefit) | All SSI recipients | Friday, October 31, 2025 |
| Social Security – “3rd of month” | Received benefits before May 1997 or receive both SSI & Social Security | Monday, November 3, 2025 |
| Social Security – Second Wednesday | Birth date 1st–10th | Wednesday, November 12, 2025 |
| Social Security – Third Wednesday | Birth date 11th–20th | Wednesday, November 19, 2025 |
| Social Security – Fourth Wednesday | Birth date 21st–31st | Wednesday, November 26, 2025 |
These groupings apply to the Wednesday-schedule beneficiaries and the “3rd of month” rule applies to the legacy group.
Useful amount notes for November
- SSI federal benefit rate (2025): Up to $967 per month for an individual and $1,450 per month for an eligible couple, before any state supplements or countable-income adjustments.
- Maximum possible Social Security (2025): Up to $4,018 per month at full retirement age (for someone who earned the maximum over a career), and up to $5,108 per month if you wait until age 70. Actual amounts vary based on your lifetime earnings and claiming age.
How to avoid delays
- Use direct deposit or Direct Express® so your funds arrive on the exact date. Mailed checks can be slower during holiday weeks.
- If your payment doesn’t appear on the expected date, allow an extra three mailing days before contacting the administration.
Quick eligibility refresher
- Social Security benefits (retirement, survivors, disability) are based on your work record and when you claim. Waiting longer often increases your monthly check.
- SSI is a needs-based benefit for people who are 65 or older, or blind/disabled, and have limited income and resources. Many states add a small supplement.
For November 2025, SSI will land early on October 31, and Social Security benefits will drop on either November 3 (for legacy recipients) or November 12, 19, or 26 depending on your birth date.
Understanding the payout schedule—and how weekends or holidays can shift payments—helps you plan bills, travel, or holiday purchases with confidence.
If you rely on mailed checks, consider switching to direct deposit to ensure your funds arrive on time during a busy holiday month.
FAQs
Why is my SSI payment showing up on October 31 instead of November 1?
Because November 1 is a Saturday, the administration advances SSI payments to the prior business day, which is Friday, October 31, 2025.
My birthday is on the 9th — when will I get paid?
If your birthday is between the 1st–10th, your Social Security payment arrives on the second Wednesday, which for November 2025 is Wednesday, November 12.
Does Thanksgiving delay my direct deposit?
No. Thanksgiving falls on Thursday, November 27 — the Social Security payments for these beneficiaries arrive on Wednesday (11/12, 11/19 or 11/26) and should post as scheduled.