Hailey
The next Social Security payment arrives in two days — Wednesday, November 12, 2025. It goes to beneficiaries whose birthdays fall on the 1st–10th and who started receiving benefits after May 1997 (and do not receive SSI for the same month).
If that’s you, expect your deposit on the second Wednesday.
Who gets paid on November 12, 2025?
The SSA payment schedule for retirement, survivors, and disability benefits is grouped by birth-date ranges:
- Second Wednesday (Nov 12, 2025): Birthdays on the 1st–10th
- Third Wednesday (Nov 19, 2025): Birthdays on the 11th–20th
- Fourth Wednesday (Nov 26, 2025): Birthdays on the 21st–31st
If you also receive SSI or you’ve been on Social Security since before May 1997, you’re paid on the 3rd of the month (or the closest business day). For November 2025, that group was paid on Monday, November 3, 2025.
Direct deposit vs. card: Most beneficiaries receive funds by direct deposit or on the Direct Express card. If your payment is late, allow a few business days before taking further steps.
How much can you receive in November?
The often-quoted “up to $5,108” refers to the maximum 2025 monthly retirement benefit for people who had very high lifetime earnings and waited until age 70 to claim. Your actual amount depends on:
- Lifetime earnings (indexed across your 35 highest-earning years)
- When you claimed (claiming early reduces your monthly check; delaying raises it)
- Benefit type: Retirement, SSDI, or survivor benefits follow different formulas
Most people receive less than the maximum; the “up to $5,108” headline indicates the ceiling, not the typical payment.
November 2025 payment calendar at a glance
| Date (2025) | Group Paid | What to Know |
|---|---|---|
| Fri, Oct 31 | SSI for November | Paid early because Nov 1 falls on a weekend; no separate SSI deposit during November. |
| Mon, Nov 3 | “3rd-of-month” group | Social Security beneficiaries who also get SSI, or who first received benefits before May 1997. |
| Wed, Nov 12 | Birthdays 1st–10th | This is the upcoming payment in two days. |
| Wed, Nov 19 | Birthdays 11th–20th | Standard third-Wednesday group. |
| Wed, Nov 26 | Birthdays 21st–31st | Standard fourth-Wednesday group. |
How to know if you’re in the “up to $5,108” bracket
To reach the maximum monthly check in 2025, you generally must:
- Work at or near the taxable maximum for most of your 35 highest-earning years, and
- Delay claiming benefits until age 70 to earn delayed retirement credits.
If you claimed at full retirement age (FRA) or age 62, your monthly amount will be lower. Disability and survivor benefits use separate rules, so their maximums differ from retirement’s delayed-to-70 maximum.
What if your payment doesn’t show up?
- Check your bank or Direct Express activity first.
- Wait a few business days; occasional delays can happen due to bank processing times and holidays.
- Log in to my Social Security to confirm your payment date, amount, and benefit type.
- If still missing after a reasonable window, contact your bank, then reach out to SSA.
Tips to maximize or safeguard your benefit
- Verify your earnings record in my Social Security; errors can reduce your future payments.
- If you haven’t claimed yet and can afford to wait, delaying increases your monthly check up to age 70.
- Keep your direct deposit info current to avoid missed or returned payments.
- For couples, review spousal and survivor strategies to improve household lifetime benefits.
The next SSA payment comes Wednesday, November 12, 2025, for beneficiaries with birthdays on the 1st–10th who are paid on the second Wednesday cycle.
While headlines highlight checks “up to $5,108,” only those with very high lifetime earnings who waited until age 70 reach that cap.
Use your my Social Security account to confirm your exact amount and payment date, and plan your budget with the November calendar above.
FAQs
I get both SSI and Social Security. Was I paid already?
Yes. The “3rd-of-month” group (people on Social Security who also get SSI, or who have received benefits since before May 1997) was paid on Monday, November 3, 2025.
Why didn’t I see an SSI payment in November?
November’s SSI was paid early on Friday, October 31, 2025, because the regular Nov 1 date fell on a weekend. That replaces a mid-November SSI deposit.
Can everyone get $5,108 a month?
No. $5,108 is the 2025 maximum for top earners who delay to age 70. Most beneficiaries receive less based on their earnings history and claiming age.