If you receive Social Security benefits from the U.S. Social Security Administration (SSA), you can use the 2023 Social Security Payment Schedule to find out when you can expect to receive your benefits.
It is important for retirees, disabled people, and beneficiaries who rely on Social Security payments to know when they will receive their Social Security benefit payments so they can budget accordingly and ensure their bills are paid on time.
The November 2023 payment schedule for Social Security benefits should be the same as in previous months. However, the SSA payment schedule can be confusing. As such, we have compiled this comprehensive guide to help anyone receiving Social Security benefits know when they can expect to receive their benefits in November 2023.
Keep reading and we will explain everything you need to know.
The SSA payment schedule for 2023 is based on a system that is based on the birthdays of those receiving benefits. Basing benefit disbursement on birth dates means it is easier for people to (1) determine when their benefits will be sent each month and (2) budget for those benefits.
Typically, the SSA sends Social Security benefit checks on the third day of the month and then on Wednesdays of each month. This information is based on the official SSA Social Security Payment Schedule for 2023.
The date that November 2023 Social Security payments will be sent depends on the birthday of the person receiving the benefit.
Therefore, if you are a parent receiving SSI for a child under age 18, the mailing date of the Social Security benefit check will be based on the child’s date of birth, not yours. But if you are the person receiving SSA benefits, the exact mailing date each month will depend on your date of birth. The Social Security payment schedule for November 2023 looks like this:
November 1, 2023. Supplemental Security Income (SSI) payments are always made on the first day of each month, unless the first day of the month is a holiday or weekend. Since November 1, 2023 falls on a Wednesday, SSI recipients should receive their checks on November 1.
November 3, 2023. You will receive a Social Security payment on November 3 if:
- You live outside the United States.
- Your Medicare premiums are paid by your state.
- Receive Social Security and SSI benefits.
- You applied for Social Security benefits before 1997.
November 8, 2023. If your date of birth is any date from the 1st to the 10th of the month, you will receive your Social Security benefit payment on the second Wednesday in November, which is November 8, 2023.
November 15, 2023. If your birth date falls on any day between the 11th and 20th of the month, you will receive your November Social Security payment on the third Wednesday of November, which is November 15, 2023.
November 22, 2023. If your date of birth falls on any day between the 20th and 30th of the month, you will receive your November Social Security benefit payment on the fourth Wednesday in November, which is November 22, 2023.
The amount of Social Security benefit payments in 2023 increased substantially thanks to the largest COLA (cost of living adjustment) in history that occurred in 2022. Social Security benefit amounts for November 2023 are based on the type of Social Security benefit you will receive.
The next three sections discuss monthly Social Security benefit amounts based on the type of Social Security benefit you receive.
The maximum SSI payment for November 2023 is $914, but the average SSI payment for an individual is around $600. Married couples receiving SSI can get a combined benefit of $1,371. The SSI payment for November 2023 is based on factors such as age and is unique for each person receiving benefits.
If you receive Social Security disability benefits, the amount of your Social Security disability payment for November 2023 varies depending on your individual situation. But the maximum SSDI benefit amount per month is $3,627. Most people will receive about $1,358 in disability benefits per month in 2023.
In 2023, Social Security retiree benefits average about $1,827 per month. However, the exact amount of Social Security retirement benefit money you can receive in November 2023 depends on the age at which you stopped working (that is, your retirement age). If you wait until full retirement age, you will get a much larger benefit amount.
In November 2023, the maximum Social Security retirement benefit amount is $3,627 per month. Only people who retired at the full retirement age (FRA) of 67 will receive $3,627 in November 2023. But people who wait until age 70 to retire can receive the “absolute maximum.” [retirement] benefit” of $4,555 per month in 2023. However, to get this whopping sum of $4,555 per month, one must have been “a high earner for 35 years” and wait until age 70 to claim their retirement benefits. . Someone who retired at the minimum retirement age of 62 will receive $2,572 in November 2023.
If you’re not sure what your Social Security disability benefit amount should be, try our exclusive Disability Benefits Calculator to estimate how much money you will receive in Social Security benefits.
There are several different factors that influence your November 2023 Social Security benefit payment dates. The most important factor is your date of birth. This is because Social Security benefit payment dates are based on the date of your birth. Therefore, your birthday will affect the timing of the Social Security benefit payment you will receive in November.
Other factors that can affect the arrival date of your Social Security benefit payments are postal delays, holidays and weekends when the post office does not deliver mail, and whether or not you choose to receive your benefit by deposit instead of receiving a paper check.
The Social Security Administration makes every effort to ensure that Social Security benefit payments reach beneficiaries on time, but factors beyond its control sometimes cause payments to arrive earlier or later. When pay dates fall near holidays or weekends when the postal service does not deliver mail, that can mean a delay in the arrival of a benefit check. In November, the Thanksgiving holiday may mean a delay in the arrival of a Social Security benefit check for anyone who is due to receive their benefit check on the fourth Wednesday in November (that is, Wednesday, November 22).
The holiday season beginning with Thanksgiving in November 2023 may also cause postal delays due to the large number of packages and mail sent during the holidays. That may cause a delay in both November 2023 Social Security benefit payments and December 2023 Social Security disability benefit checks.
If you want to make sure your Social Security benefits arrive on time and don’t want to risk postal delays making it difficult to pay your bills on time, the SSA offers alternative methods people can use to get their social benefits. Faster security payments.
If you are concerned that your November 2023 Social Security paycheck will be late and impact your ability to pay bills and buy essential items, you can use the resources the SSA offers to get your benefit on time each month.
The best way to make sure your Social Security paycheck arrives on time every month is to set up a “my Social Security” account on the SSA website. Through this account, you can set up direct deposit into your checking account so that your Social Security benefit is deposited into your bank account each month on your regular pay date. That means no more waiting for paychecks and no more delays!
If you don’t have a bank account, you can register with the SSA. Direct Deposit Debit Card. Each month, your Social Security benefits will be deposited directly to your card on your pay date, and you can use the card like any credit or debit card to pay bills, buy things, or withdraw your cash benefits from an ATM.
If you are unsure of your specific Social Security benefit payment date for November 2023, or if you are confused by the date of birth system the SSA uses, you can check your specific payment date by checking the SSA website. SSA, by dialing your “my Social Security Account,” or by calling the SSA toll-free number at 1-800-772-1213 (TTY 1-800-325-0778). You can also make an appointment at your local SSA office and someone there will go over the pay dates for 2023 with you and tell you when your Social Security benefit pay dates are.
Social Security payments are only made once a month, which can make budgeting and financial planning difficult. To ensure you are using your funds efficiently and making the most of those payments, you should consider using budgeting tools such as:
- Automatic bill payments
- Budget billing of public services.
- Plan shopping trips once or twice a month using store deals and coupons.
and other strategies to save money.
The SSA announced the 2024 Cost of Living Adjustment (COLA) increase last week, on October 12, 2023. More specifically, they announced that the 2024 COLA will be a 3.2% increase. This means that Social Security benefit checks for 2024 will see a 3.2% increase.
November 2023 Social Security checks will not be affected by the 2024 COLA increase for Social Security. But your December 2023 Social Security benefit payments may be affected by COLA because the first 3.2% increased payments for 2024 will go out on December 29, 2023.
Special circumstances that may affect payments of SSI, SSDI, and other Social Security benefits are when the benefit payment date falls on a weekend. If your SSI payment date falls on a Saturday, you will receive your payment on the Friday before the payment date. If your payment date falls on a Sunday, you may receive your payment on the Friday before or the Monday following the Sunday payment date, depending on when the United States Postal Service (USPS) processes the check.
If you moved or changed your name due to marriage, you should also log into your “my Social Security” account and make sure your information is accurate and up-to-date so your benefit checks arrive on time and to the correct address.
Social Security benefit payments for November 2023 should be made on time and follow the same pattern as previous months. The benefit payment schedule is based on the beneficiary’s date of birth; However, if you are having difficulty determining the schedule, you can get personalized help from the SSA. Or complete a free Case Evaluation below and get personalized advice on Social Security benefits from an attorney who subscribes to this website and specializes in Social Security cases.
