Millions of Americans rely on monthly payments from the Social Security Administration (SSA) to support their retirement or disability needs. November has been a busy month for these payments, and while many beneficiaries have already received theirs, there are two crucial paydays remaining. Let’s break down who qualifies for these upcoming payments and what you can expect.
Payment on November 20
The November 20 payment is part of the SSA’s staggered schedule. Here’s who qualifies for this round of payments:
- Not on SSI: Recipients must not currently receive Supplemental Security Income (SSI).
- Not Receiving Benefits Before May 1997: Those who started their benefits after May 1997 are eligible.
- Birth Date Conditions: If your birth date falls between the 11th and 20th of any month, you’re included.
- SSA Rules Compliance: You must remain eligible and meet all SSA requirements.
This payment will not include the 2025 Cost-of-Living Adjustment (COLA), which goes into effect next year. Instead, the average amount for this payment will be approximately $1,924.
Payment on November 27
If your birth date is between the 21st and 31st, you’re likely eligible for the final November payment. The conditions remain similar:
- You must meet SSA’s eligibility criteria.
- Payments are for individuals not receiving SSI or pre-May 1997 benefits.
The November 27 payment also excludes the 2025 COLA adjustment.
Who Gets $4,873 Payments?
While most recipients receive amounts close to the national average, a select few retirees can claim as much as $4,873. However, qualifying for this maximum benefit requires meeting strict conditions:
- Long Earnings History: You must have earned the maximum taxable income under Social Security for 35 years.
- Delayed Retirement: Filing for benefits at age 70 allows you to take advantage of delayed retirement credits, boosting your payout by 24%.
- SSA-Covered Work: All your 35 years of work must have been in jobs covered by Social Security, ensuring proper contributions.
These high payments are for retirees who planned extensively and maximized their earnings potential. If your monthly check is lower, you may still qualify for additional support like SSI to supplement your income.
November Social Security Payments
| Payment Date | Eligibility | Average Amount | Max Amount |
|---|---|---|---|
| November 20 | Born 11th-20th, no SSI, no pre-May 1997 benefits | $1,924 | $4,873 |
| November 27 | Born 21st-31st, same conditions as above | $1,924 | $4,873 |
Planning your finances around Social Security payments is vital, especially when considering high-benefit strategies like delayed filing. For those who don’t qualify for larger payouts, exploring additional benefits like SSI might be helpful.
With two payment dates remaining in November, knowing your eligibility and potential benefits can help you maximize what you receive. Stay informed, and don’t miss out on the payments you’re entitled to.
FAQs
Who qualifies for the November 20 payment?
Retirees born 11th-20th, not on SSI, and post-May 1997 benefits.
What is the average November payment amount?
The average payment is about $1,924.
Can November payments include the 2025 COLA?
No, November payments do not include the COLA adjustment.
How can I get $4,873 in Social Security?
Work 35 years at maximum taxable earnings and file at 70.
What if my Social Security check is too low?
You can apply for Supplemental Security Income (SSI).
