November & December 2025 Social Security Payment Schedule – SSI, SSDI, And Low-Income Beneficiaries

As the end of the year approaches, millions of Social Security, SSI, and SSDI beneficiaries are preparing for their upcoming payments.

Understanding the November and December 2025 payment schedule is crucial, especially since holidays and weekends can shift deposit dates.

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This detailed guide explains all the payment dates, possible changes, and what each group of recipients should expect.

How Social Security Payment Dates Are Decided

The Social Security Administration (SSA) follows a structured payment schedule based on the type of benefit and recipient’s birth date:

• SSI (Supplemental Security Income): Paid on the 1st of each month. If the 1st falls on a weekend or holiday, payment is made on the previous business day.
• SSDI (Social Security Disability Insurance) & Retirement Benefits: Payments are issued according to the recipient’s birth date.
  • 1st–10th: 2nd Wednesday of the month
  • 11th–20th: 3rd Wednesday of the month
  • 21st–31st: 4th Wednesday of the month
• Recipients who began receiving benefits before May 1997, or those who receive both SSI and Social Security, are paid on the 3rd of each month.

November & December 2025 Social Security Payment Dates

The following table outlines when you can expect your payments in November and December 2025.

Important Details for Beneficiaries

1. Early SSI Payment for November:
   Since November 1, 2025, falls on a Saturday, SSI recipients will receive their November payment early on October 31, 2025.
2. Double SSI Payment in December:
   December will have two SSI deposits — one on December 1 (for December) and another on December 31 (for January 2026). This happens because January 1 is a federal holiday.
3. No Extra SSI Payment in November:
   Because the November SSI payment is issued early (on October 31), there will be no SSI deposit in November.
4. Direct Deposit Advantage:
   Most beneficiaries receive funds through direct deposit, ensuring faster and safer payments. Those still using paper checks may experience slight mailing delays due to holidays.
5. Holiday Shifts in December:
   The fourth Wednesday of December (December 24) will fall right before Christmas, but SSA payments will still be deposited on that date.

Key Takeaways

• SSI Recipients: Expect an early October 31 payment for November and two deposits in December.
• Social Security & SSDI Beneficiaries: Payments follow the Wednesday birth-date schedule.
• Dual Recipients or Pre-1997 Beneficiaries: Paid on the 3rd of each month.
• Always check your bank account or Direct Express card for postings before contacting SSA if you don’t see your payment on the expected day.

December 2025 Social Security Payment Dates – When Will You Get Yours?

The November and December 2025 Social Security payment schedule includes key changes that recipients should plan for.

SSI recipients will see an early payment on October 31 and two payments in December, while SSDI and retirement beneficiaries will follow their standard Wednesday cycle.

Keeping track of these dates ensures your budgeting stays on track during the busy holiday season.

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Always use direct deposit and verify your My Social Security account for the most accurate information.

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