Social Security to distribute payments on Monday, Nov. 3: here’s who’s getting a check
Two groups of beneficiaries are to get a check early next week, on the Social Security Administration’s second payment date for November.
Some Social Security beneficiaries are to receive their latest monthly check on Monday, as the U.S.’s Social Security Administration (SSA) makes the second round of payments on its distribution schedule for November 2025.
Who’s getting paid by Social Security on Monday, Nov. 3?
- Certain long-term beneficiaries
The SSA is due to distribute checks to a particular group of long-term recipients of Social Security: specifically, those who began claiming retirement benefits, Social Security Disability Insurance (SSDI) or survivor pay before May 1997.
- Beneficiaries who also claim SSI
November 3 is also your payment date for retirement, SSDI or survivor benefits if you combine any of these programs with Supplemental Security Income (SSI) - a scheme for low-income Americans who are over 65 or have a disability.
November’s SSI money, meanwhile, was due to be issued on Friday, October 31 - 24 hours earlier than usual, as this month begins on a weekend day.
How much are retirement, disability and survivor benefits?
Retired workers - who account for the majority of the U.S.’s Social Security recipients - receive an average of $2,008.31 a month, the SSA says. Disabled workers are paid $1,582.95 a month on average, while survivor benefits are worth a monthly average of $1,575.30.
How much are monthly SSI benefits?
According to the SSA, SSI beneficiaries get an average of $717.87 a month. The highest possible SSI figure available to an individual claimant is $967 per month. Eligible couples can get up to $1,450 per month.
Some SSI recipients qualify for a supplementary payment from their state. You can find out which states offer this additional money on the SSA website.
Benefits set to increase
In late October, the SSA confirmed that its benefits recipients will see a 2.8% rise in their monthly checks from January 2026, as part of the agency’s annual cost-of-living adjustment. For Americans on retirement benefits, this will translate into an average increase of $56 per month, the SSA says.
When are November’s other Social Security checks being paid?
For retirement/SSDI/survivor beneficiaries who don’t belong to the long-term or dual groups of recipients described above, benefits will be sent out on one of three Wednesdays in November. Each individual’s designated Wednesday depends on the date of birth of the worker whose Social Security taxes accumulated their entitlement:
- Born on 1st to 10th of the month: Weds., Nov. 12
- Born on 11th to 20th of the month: Weds., Nov. 19
- Born on 21st to 31st of the month: Weds., Nov. 26
You can check out the SSA’s complete schedule of payments for 2025 in this online calendar shared by the agency.
So the shutdown isn’t impacting Social Security payments?
No, the SSA has said that the distribution of benefits “will continue with no change in payment dates”, despite the ongoing shutdown of the U.S. federal government.
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