Social Security Disability Insurance (SSDI) recipients have specific payment schedules to navigate in November and December. While the Cost-of-Living Adjustment (COLA) promises a boost to payments starting in January, this year’s November and December SSDI payments won’t reflect the increase. Supplemental Security Income (SSI) beneficiaries, however, will see their COLA adjustment a little earlier on December 31, 2024.
Let’s break down what SSDI recipients can expect in the final months of 2024.
Payments
The final SSDI payment for November is scheduled for November 27, 2024. To qualify for this payday, specific criteria must be met:
- You began receiving disability payments after May 1997.
- You are not receiving Supplemental Security Income (SSI).
- Your birthday falls between the 21st and 31st of any month.
It’s also essential to maintain eligibility for SSDI. If your disability improves, you’re required to report this to the SSA, as it could affect your benefits. For November payments, the average SSDI amount is $1,542, with maximum payments reaching $3,822.
Payment Dates
SSDI payments in December will follow a structured schedule, depending on the recipient’s eligibility and birth date:
- December 3, 2024:
- For those who started receiving SSDI before May 1997.
- For dual beneficiaries (receiving both SSDI and SSI), the SSI portion will be paid on November 29, followed by SSDI on December 3.
- December 11, 2024:
- For recipients born between the 1st and 10th of any month.
- December 18, 2024:
- For recipients born between the 11th and 20th of any month.
- December 24, 2024:
- For recipients born between the 21st and 31st of any month.
COLA
The 2.5% COLA increase will not be included in the December payments. Instead, SSDI recipients will see the higher payments starting in January 2025. This adjustment ensures benefits align with rising living costs, providing additional financial security.
Eligibility
Eligibility for SSDI is based on your disability status, and any significant improvement in your condition must be reported to the SSA. Failure to do so could result in overpayments, which must be repaid. Stay proactive by notifying the SSA of changes to avoid disruptions to your benefits.
Payment Amounts
Here’s a quick snapshot of SSDI payments:
| Type | Average Payment | Maximum Payment |
|---|---|---|
| SSDI in November/December | $1,542 | $3,822 |
| SSDI (post-COLA in January) | Slightly Higher | Increased by 2.5% |
Tips for Managing
- Set Up Direct Deposit: Ensure timely receipt of payments.
- Track Paydays: Use a calendar to stay informed about payment dates.
- Monitor Eligibility: Notify SSA immediately of changes in your condition.
By staying informed and organized, SSDI recipients can better plan their finances and minimize stress around payment schedules.
FAQs
When is the last SSDI payment in November?
The final SSDI payment for November is on November 27, 2024.
Who qualifies for SSDI on November 27?
Those with birthdays from 21-31 and no SSI benefits qualify.
When does the COLA increase start for SSDI?
The COLA increase will apply to January 2025 payments.
What is the average SSDI payment amount?
The average SSDI payment is $1,542, with a maximum of $3,822.
What if my disability improves?
You must notify SSA as it may affect your eligibility.
