Good news for many retirees and disability beneficiaries: the second Wednesday of the month—Wednesday, Nov. 12, 2025—is a major Social Security pay day.
Here’s a clear guide to who gets paid on Nov. 12, who’s paid on other November dates, and what 2025 benefit amounts look like after this year’s 2.5 % cost-of-living adjustment (COLA).
Who gets paid on Wednesday, Nov. 12?
If you first filed for Social Security after May 1997, your birthdate determines your payment week.
People whose birthdays fall on the 1st–10th of the month are paid on the second Wednesday—that means Nov. 12, 2025.
Those with birthdays on the 11th–20th are paid on Nov. 19 and birthdays on the 21st–31st are paid on Nov. 26.
Other November 2025 pay groups
- SSI (Supplemental Security Income): Because Nov. 1, 2025 is a Saturday, the November SSI payment is advanced to Friday, Oct. 31, 2025. There is no SSI deposit during November itself after that date.
- If you received Social Security before May 1997 or you receive both SSI & Social Security, you’re on the “3rd-of-the-month” schedule. Your November payment will be on Monday, Nov. 3.
What will your November 2025 amount be?
Thanks to the 2.5 % COLA, Social Security benefits have increased in 2025. The average retired worker check is about $1,976 per month.
The maximum monthly benefit for someone claiming at full retirement age (FRA) is $4,018, and for someone who waits until age 70, it can reach about $5,108.
The maximum SSI payment is $967 for an individual and $1,450 for an eligible couple.
November 2025 payment calendar (at a glance)
| Date | Day | Who Gets Paid |
|---|---|---|
| Oct. 31 | Friday | SSI (early payment since Nov 1 is Saturday) |
| Nov. 3 | Monday | Social Security for those who filed before May 1997 or who receive both SSI & SS |
| Nov. 12 | Wednesday | Birthdays 1st–10th (standard Social Security) |
| Nov. 19 | Wednesday | Birthdays 11th–20th |
| Nov. 26 | Wednesday | Birthdays 21st–31st |
How your birthday determines your week
Social Security uses staggered Wednesday payments to keep the system running smoothly. In practice:
- Birthdays 1st–10th → payment on the second Wednesday (Nov. 12)
- Birthdays 11th–20th → payment on the third Wednesday (Nov. 19)
- Birthdays 21st–31st → payment on the fourth Wednesday (Nov. 26)
Those on the legacy cycle (filed before May 1997) or recipients of both SSI and Social Security get paid on the 3rd of the month instead (Nov. 3 this month).
Quick tips for a smooth November payment
- Use direct deposit or the Direct Express prepaid debit account to avoid delays by mail and ensure funds arrive on schedule.
- If the deposit doesn’t show up, wait at least three banking days (the bank may take time to post) before contacting Social Security.
- Make sure your account information is up to date — incorrect banking details can delay your payment.
November 2025 brings important payment days for many Americans.
With the 2.5 % COLA increase, larger benefit amounts, and the staggered Wednesday schedule in place, many beneficiaries whose birthdays fall on the 1st to 10th will receive their payment on Wednesday, Nov. 12.
Others will be paid on Nov. 19 or Nov. 26, while legacy recipients and those receiving both SSI and Social Security will see payments on Nov. 3.
Make sure your banking information is current and expect deposits via direct transfer to simplify your experience.
Staying informed means you’ll know when—and how much your payment will be this month.
FAQs
Why didn’t I get an SSI payment in November?
Because Nov. 1 falls on a Saturday, the Social Security Administration advanced the SSI payment to Oct. 31. That early deposit counts as your November payment.
I was born on the 7th—when is my November Social Security date?
Since your birthday falls between 1st–10th, your payment is scheduled for the second Wednesday, which is Nov. 12, 2025.
What are typical benefit amounts in 2025?
The average retired worker receives around $1,976/month. If you claim at full retirement age you might receive up to $4,018/month, and if you wait until age 70, up to $5,108/month. The SSI maximum for an individual is $967/month.
