November Brings New SSDI Direct Deposits – Up to $3,822 for Eligible Recipients

For millions of Americans relying on Social Security Disability Insurance (SSDI) payments, November brings an early surprise in the payout schedule. Traditionally, SSDI checks or direct deposits for many are received on the 3rd of each month, but a change in timing this November means some recipients will see their money a couple of days earlier. Knowing the payment schedule can be crucial for budgeting, so here’s what you need to know about the November payment dates and how these changes affect you.

SSDI

In most months, SSDI payments are issued on either the 3rd of the month or on specific Wednesdays, depending on when recipients started receiving benefits. However, since November 3 falls on a Sunday, the Social Security Administration (SSA) will issue the first SSDI payment early, on Wednesday, November 1. SSA avoids scheduling payments on weekends or holidays, so this shift means an earlier-than-expected deposit.

This early November payment on the 1st applies specifically to:

• Those who receive both SSDI and Supplemental Security Income (SSI) benefits.
• SSDI recipients whose benefits started before May 1997.

Payment Schedule

Change

SSA’s policy is to adjust payment schedules when the 3rd falls on a weekend or a holiday. By moving payments to November 1, they ensure recipients have access to funds on time. This means those accustomed to receiving SSDI payments on the 3rd will see a slightly earlier deposit this month, which could offer a welcome boost to budgets, even if just by a couple of days.

Dual Payments

If you receive both SSI and SSDI, November has another convenience in store. Generally, SSI payments are issued on the 1st of each month. With this month’s SSI and SSDI payments both scheduled for November 1, those receiving both types will receive both payments on the same day. Although this isn’t an added benefit, having the funds together can simplify managing monthly finances for some recipients.

November Payments

For those who began receiving SSDI after April 30, 1997, the SSA distributes payments according to the beneficiary’s birthdate on the second, third, and fourth Wednesdays of each month. Here’s a breakdown of November’s scheduled payments:

1. November 13: For beneficiaries born between the 1st and 10th of any month.
2. November 20: For beneficiaries born between the 11th and 20th of any month.
3. November 27: For beneficiaries born between the 21st and 31st of any month.

December Payment

The adjusted November schedule is not the only change. December’s SSI payment, usually scheduled for the 1st, will also arrive early, on November 29. While not a bonus payment, this adjustment will place both November and December SSI payments within the same calendar month, giving SSI recipients access to December’s funds a bit earlier than usual.

For those balancing dual benefits, this means planning for the fact that the next SSI payment after November 29 won’t arrive until January 2024. Therefore, recipients may wish to budget accordingly to ensure December’s expenses are covered without a gap.

Dates

Here’s a quick look at important dates for SSDI and SSI payments in November:

• November 1: First SSDI payment for dual recipients and those with benefits before May 1997.
• November 13: SSDI payment for birthdates from 1st-10th.
• November 20: SSDI payment for birthdates from 11th-20th.
• November 27: SSDI payment for birthdates from 21st-31st.
• November 29: Early SSI payment for December.

By keeping these dates in mind, SSDI and SSI beneficiaries can better anticipate when funds will arrive and budget with confidence. This minor adjustment to November’s SSDI schedule and the dual November payments for SSI beneficiaries are designed to ensure recipients aren’t inconvenienced by weekend timing or holiday scheduling.

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