Marina
If you’re waiting for your Social Security payment in November 2025, there’s good news — the Social Security Administration (SSA) has already released its official payment calendar and updated benefit amounts for the year.
Millions of retirees, disabled workers, and survivors rely on this monthly income to manage bills, groceries, and medical expenses, so understanding exactly who gets paid on November 12, 2025 and how much to expect is essential for financial planning.
The November 12, 2025 payment date is part of the SSA’s regular Wednesday distribution schedule, which divides payments based on birth dates to prevent system overloads and ensure smoother processing.
This means that beneficiaries whose birthdays fall between the 1st and 10th of any month will receive their benefits on this date.
For these recipients, the deposit typically appears in their bank account or Direct Express card by Wednesday morning, though some banks may take an extra day to process it.
For others — specifically, people born between the 11th and 20th or the 21st and 31st — payments will come later in the month on November 19 and November 26, respectively.
Those who began receiving Social Security before May 1997, or those who collect both SSI (Supplemental Security Income) and Social Security, will get their payment earlier, on November 3, 2025.
This staggered setup helps ensure that over 70 million Americans receive their funds efficiently and without major delays.
Who is paid on November 12, 2025?
November 12 is the second Wednesday of the month. Under SSA’s staggered schedule, beneficiaries with birthdays on the 1st–10th of any month receive their payment on the second Wednesday.
If your birthday is on the 11th–20th, you’ll be paid November 19; birthdays on 21st–31st are paid November 26.
People who started benefits before May 1997 (or who receive both Social Security & SSI) are paid on November 3. SSI for November arrives early on October 31 because November 1 falls on a weekend.
How much will beneficiaries receive?
For 2025, Social Security and SSI include a 2.5% cost-of-living adjustment (COLA). The average retired worker benefit is about $1,976/month, while the maximum benefit at full retirement age is $4,018/month.
For SSI, the federal payment standard is $967 for an individual and $1,450 for a couple. Your actual amount depends on your earnings record, filing age, and any Medicare or withholding deductions.
Quick reference — November 2025
| Item | Date | Who Gets Paid | Typical Amounts (2025) |
|---|---|---|---|
| SSI (November benefit) | Oct 31, 2025 | All SSI recipients (paid early due to weekend) | $967 individual / $1,450 couple |
| Social Security – Cycle 1 | Nov 3, 2025 | Beneficiaries who started before May 1997, or who get both SSI & Social Security | Amount varies by record (not tied to birthday groups) |
| Social Security – Birthdays 1-10 | Nov 12, 2025 | Retirees, survivors, SSDI with birthdays 1–10 | $1,976 average; up to $4,018 max at full-retirement |
| Social Security – Birthdays 11-20 | Nov 19, 2025 | Birthdays 11–20 | Same 2025 levels as above |
| Social Security – Birthdays 21-31 | Nov 26, 2025 | Birthdays 21–31 | Same 2025 levels as above |
Key things to know for November 12
- Payment method: Nearly all benefits are sent electronically (direct deposit or Direct Express). If you’re expecting a mailed check, allow three mailing days before contacting SSA.
- Which program? Social Security (retirement, survivors, disability) follows the birthday-group Wednesdays, while SSI uses the first day of the month rule (shifted earlier if it falls on a weekend/holiday).
- Amount vs. date: Your payment date is set by your birthday group (or legacy/pre-1997 status), but your benefit amount is determined by your earnings history, claiming age, and annual COLA.
If your birthday is between the 1st and 10th, your Social Security payment should land on Wednesday, November 12, 2025. Expect 2025’s 2.5% COLA to be reflected—averages are about $1,976 for retired workers, with a $4,018 maximum at full retirement age.
SSI for November was paid early on October 31, and other birthday groups follow on November 19 and November 26. Plan bills accordingly and, if a mailed check is delayed, wait three mailing days before contacting SSA.
FAQs
Why did SSI arrive on October 31 instead of November 1?
Because Nov. 1 is a Saturday, SSI pays on the preceding business day (Oct 31).
I was paid on November 3—why not November 12?
You likely started benefits before May 1997 (or receive both SSI & Social Security), which places you on the 3rd-of-the-month cycle.
What is the average and maximum Social Security benefit in 2025?
Average retired worker: $1,976/month; maximum at full retirement age: $4,018/month, reflecting the 2.5% COLA.