If you receive Social Security or Supplemental Security Income (SSI), November 2026 will look a little different on your bank statement — and the differences are easy to misread. There is an early SSI payment, a Veterans Day shift for one group, and, crucially, no SSI deposit dated in November itself. Here are the exact dates, why they move, and what the 2027 raise means for your January check.
Your November 2026 payment dates
Social Security retirement and disability payments follow your birthday, with one exception for people who started receiving benefits before May 1997 or who receive both Social Security and SSI. Based on SSA’s published schedule, as summarized by NerdWallet and CPA Practice Advisor, the dates are:
- Friday, October 30, 2026: SSI payment for November. November 1 is a Sunday, so November’s SSI arrives early. There is no SSI deposit in November itself.
- Tuesday, November 3: Social Security for people who began receiving benefits before May 1997, or who receive both Social Security and SSI.
- Tuesday, November 10: Social Security for birthdays from the 1st to the 10th of the month. This is paid a day early because November 11 is Veterans Day, a federal holiday.
- Wednesday, November 18: Social Security for birthdays from the 11th to the 20th.
- Wednesday, November 25: Social Security for birthdays from the 21st to the 31st.
- Tuesday, December 1: SSI payment for December.
The December 31 payment and the 2027 raise
That December 31 deposit matters for another reason: it is the first payment to include the 2027 cost-of-living adjustment (COLA). SSA announced on October 14, 2026, a 3.6 percent COLA for 2027 for Social Security and SSI — the largest since 2023, compared with 2.8 percent for 2026. SSA says the average retirement benefit will rise by about $75 per month from January 2027. Your personal amount will depend on your own benefit, and your online notice will show the exact figure.
What is still unknown about your 2027 check
The net raise is not yet final, because the 2027 Medicare Part B premium has not been announced. Part B premiums are deducted from most Social Security checks, so the premium decision will determine how much of the 3.6 percent increase you actually keep. One published projection, from the Social Security Trustees’ estimates as summarized in recent coverage, points to a $6.60 increase to $209.50 — but that is a projection, not the official announcement, which is expected in November. Do not budget the full COLA until that number lands.
Key takeaways
- SSI for November arrives Friday, October 30 — not in November. It is not extra money.
- Social Security in November: November 3 (pre-May 1997 or dual recipients), November 10 (birthdays 1-10, early for Veterans Day), November 18 (11-20), November 25 (21-31).
- December 31 SSI is January 2027’s payment and the first to include the 3.6 percent COLA.
- Average retirement benefit rises about $75 per month in January 2027, per SSA — your amount will vary.
- Medicare Part B premium for 2027 is not yet announced, so your net raise is not yet final.
- 2027 IRS tax brackets are not yet official; treat current numbers as projections only.
Bottom line: Mark October 30, November 3, 10, 18 and 25, and December 31 on your calendar — and remember that the early deposits are next month’s money arriving sooner, not a bonus to spend twice.
