Social Security recipients typically receive one payment per month, but some older Americans could receive an additional check in November as the calendar falls in the last two months of the year.

While the problem isn't new — the Social Security Administration sets its annual payment schedule well in advance — it could surprise some seniors next month if they weren't aware of the unusual schedule.

People who could receive an additional check in November are those receiving Social Security's Supplemental Security Income (SSI), a program for disabled adults and low-income seniors. Some of these SSI recipients also receive monthly Social Security benefits, the traditional retirement income available to people starting at age 62.

SSI recipients will receive an additional payment next month — and some may receive up to three payments in November.

This is how it works:

• SSI recipients will receive their November payment on Friday, November 1st.
• Individuals who filed for Social Security before May 1997 or who receive both Social Security and SSI payments will also receive their Social Security payment on November 1st (typically, individuals who receive both Social Security payments will receive their Social Security payment on the third day of the month, however, since November 3rd is . November falls). on a Sunday, this payment also ends up on November 1st).
• SSI recipients will also receive a second payment on Friday, November 29th. This reflects their payment in December. However, since December 1st falls on a Sunday, your payment for the last month of 2024 will be on November 29th.

In other words, people receiving SSI will receive two payments in November – on November 1st and November 29th. If they also receive Social Security benefits, they will also receive this check on November 1st, not November 3rd.

Meanwhile, all other Social Security recipients will receive their payments on the regular schedule, which provides benefits on the second, third or fourth Wednesday of the month, depending on the recipient's date of birth.

The November dates for Social Security retirement payments are as follows:

• People born between the 1st and 10th of the month will receive their Social Security check on November 13th.
• Those born between the 11th and 20th of a month will receive their benefit check on November 20th.
• People born between the 21st and 31st of a month will receive their payment on November 27th.

When does the Social Security COLA take effect?

Meanwhile, Social Security recipients will receive a 2.5% cost of living adjustment with their 2025 payments. the agency announced last week.

The typical beneficiary will see their monthly check increase by about $50 to $1,976 per month.

This higher payment will take effect with January benefits:

• Individuals born between the 1st and 10th of their birth month will receive their first COLA increase on January 8th.
• Those born between the 11th and 20th of their birth month will receive the COLA bump on January 15th.
• Recipients born between the 21st and 31st of their birth month will receive the new COLA on January 22nd.

Meanwhile, people who began receiving Social Security before May 1997 or receive both Social Security and SSI will receive their new Social Security COLA on January 3rd.

Individuals receiving SSI will receive their new 2025 COLA with their payment on December 31, 2024.