Receive Up to Five SSI and Social Security Payments Before 2025: Here’s How!

The good news at the end of the year is if you get SSI or Social Security. In the period from November to December, one can expect having up to five checks, including 2025 COLA. This payment schedule gives extra help kick-starting the new year, covering those extra costs associated with the holiday season.

These scheduled payments are very essential in covering you before the year-end holidays. The usual amount of each payment will remain the same, but the payment issued on December 31 will include the 2025 COLA adjustment.

What are the SSI and Social Security payments in November?

In November, the Social Security Administration will make as many as five payments to different groups of beneficiaries. Here are the key dates to keep in mind:

• November 1: It’s the monthly SSI payment for November for people who receive Supplemental Security Income.
• November 1: For Group 2 retirees, those who began receiving benefits after May 1997 and have birthdays 1st through 10th of the month, payment.
• November 20: Retirees from Group 3 whose birthday falls from the 11th through the 20th.
• November 27: Group 4 retirees, born between the 21st and 31st; payment.
• November 29: Another SSI payment was advanced because December 1 is a weekend. Technically speaking, this is the December payment, but because this advance gets the funds to you immediately, you won’t have to wait to have access to some of your funds.

What Social Security and SSI payments come in December?

For most retirees, usual Social Security payments will again be at the end of the month in December, plus an SSI payment at the end of the month for 2025 COLA. Here are the important dates:

• December 11: Group 2 retirees first payment.
• December 18: Payment for Group 3 beneficiaries, born the 11th through the 20th.
• December 25: Payment for Group 4 retirees, between the 21st and 31st.
• December 31: An additional SSI payment, plus the 2025 COLA increase.

That final annual payment is also important because it’s the first to give SSI recipients an early glimpse at the COLA increase, so that it has the money right as they start their Christmas shopping.

How the COLA adjustment works and when it starts

Social Security and SSI benefits are adjusted to keep up with rising costs through the use of a technique common for most federal programs called the COLA, or Cost of Living Adjustment. This means a modest monthly payment increase from 2.5% for 2025. The reason for the COLA is to protect beneficiaries’ costs from inflation, but this year’s increase is slightly less than what we’ve seen in recent years.

The first payment to show this increase will be the December 31 paycheck, which happens to be the SSI check. The increase will show up in beneficiaries’ January payments, and since it won’t come into effect until the end of the year, the increase actually represents.

Why these additional payments are important

This increased financial stability provides an added end-of-year payment schedule for beneficiaries for 2025. Those relying on Social Security and SSI to cover their essentials receive up to five payments between November and December, which can be a major relief. The series of payments guarantees beneficiaries will have an added source of income at the end of the year, thus helping to cater for any new additional needs during the holiday season starting at the beginning of the year.

This payment schedule allows Social Security to meet its monthly benefit obligations as well as to do an advance payment in December for SSI beneficiaries. For those who rely on these benefits, this approach is a useful cushion for managing year-end costs with a little more confidence.

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