Millions of Americans depend on Social Security payments every month. While some have already received their money, others are waiting for the final two payments of November. These payments will be delivered as direct deposits or checks, helping retirees meet their financial needs.
The next Social Security payment is scheduled for November 20, marking the second round of Wednesday payments in November. Let’s break down who qualifies for these payments and what conditions apply.
Who Will Get the November 20 Payment?
To receive this payment, retirees must meet specific Social Security Administration (SSA) conditions:
- Not receiving SSI benefits.
- Retirement benefits started after May 1997.
- Born between the 11th and 20th of any month.
- Eligibility rules followed without violations.
If you meet these requirements, you’ll get your payment directly into your account soon.
What About the November 27 Payment?
The November 27 payment is for retirees who:
- Were born between the 21st and 31st of any month.
- Meet the same conditions as the November 20 group.
Who Can Get the Maximum $4,873 Benefit?
Not everyone will receive the top Social Security benefit of $4,873. This payment is only for high earners who meet strict requirements:
- Worked for at least 35 years at jobs covered by Social Security taxes.
- Earned the maximum contribution limit during those 35 years.
- Filed for Social Security benefits at the age of 70, maximizing delayed retirement credits.
If you don’t qualify for this high payment but need extra help, you can also apply for Supplemental Security Income (SSI).
Key Payment Dates and Details
| Date | Birth Dates | Average Payment | Maximum Payment |
|---|---|---|---|
| November 20 | 11th–20th | $1,924 | Up to $4,873 |
| November 27 | 21st–31st | $1,924 | Up to $4,873 |
Will These Payments Include the 2025 COLA?
No, the November payments do not include the 2025 Cost-of-Living Adjustment (COLA). The average benefit amount this month is around $1,924, without any COLA increases yet.
Conclusion
Social Security benefits provide essential financial support for millions of retirees in the United States. With payments scheduled for November 20 and November 27, retirees can plan their finances accordingly. Those who qualify for the maximum payment have worked long and hard to reach this milestone. For others, programs like SSI may offer additional assistance. If you’re eligible, be sure to check your bank account for these important payments!
FAQ’s
How can I check my Social Security payment schedule?
Visit the official Social Security Administration website or log into your My Social Security account.
Why is my payment lower than $4,873?
The maximum benefit is for high earners who worked 35 years and delayed retirement to age 70.
Can I receive both Social Security and SSI?
Yes, you can apply for SSI if your Social Security payment is not enough to meet your needs.