Social Security Payments Up to $5,108 Begin on November 12: Who Gets Paid When?

Millions of Americans will start receiving their Social Security payments this week, with some eligible beneficiaries receiving up to $5,108 per month. The Social Security Administration (SSA) schedules payments based on the recipient's birth date to ensure smooth processing for nearly 70 million beneficiaries. Understanding when and how much you will receive can help you plan your finances better.

Who Receives Social Security Payments This Week?

The SSA will distribute payments on Wednesday, November 12, to beneficiaries born between the 1st and 10th of any month. This group includes retirees, disability recipients, and survivor benefits beneficiaries. If your payment is not received on the expected date, the SSA advises waiting three business days before contacting the agency, as weekends and federal holidays do not count as business days.

Payments for others will follow on:

• November 19: For those born between the 11th and 20th
• November 26: For birthdays between the 21st and 31st

How Much Social Security Payment Will You Receive?

The amount of Social Security payment depends on factors like lifetime earnings, years of contributions, and the age at which you start receiving benefits. Here are some key figures for 2025:

• The average monthly retirement benefit is approximately $2,006.69.

• Retiring at age 62 yields a maximum benefit of $2,831.

• Retiring at full retirement age (67) provides up to $4,018.

• Delaying retirement until age 70 allows a maximum monthly benefit of $5,108.

The SSA also makes Supplemental Security Income (SSI) payments, which differ in amount and are issued twice a month, on the 1st and the 31st.

Steps Social Security Beneficiaries Should Follow

To ensure smooth and timely Social Security payments, beneficiaries should take the following steps:

• Keep your bank information updated with the SSA to prevent any payment delays.

• Opt for direct deposit or Direct Express cards for quick and secure payment delivery.

• If you miss a payment, wait at least three business days before reaching out to the SSA.

• Consider delaying your retirement to receive higher monthly benefits in the future.

Social Security Increase Coming in 2026

Starting January 2026, Social Security payments will rise by 2.8% due to the annual COLA (Cost of Living Adjustment). This increase helps benefits keep up with inflation, covering essentials like housing, food, and healthcare. Eligible beneficiaries will automatically receive higher payments beginning in January 2026.

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