When it comes to Supplemental Security Income (SSI), the payment schedule for November has a twist you might not get a payment in the calendar month you expect. Because November 1 falls on a Saturday this year, the SSI payment that would normally land in early November will instead be issued ahead of time. The result: recipients will receive the payment on October 31, and there will be no separate SSI payment in November.
As for how much you’ll get, the federal maximum for an eligible individual under SSI in 2025 stands at $967 per month, and for an eligible couple $1,450 per month. These amounts apply before any income-count reductions or state supplements.
SSI: how the schedule works
The standard rule is that SSI payments are issued on the first of each month. If that first day falls on a weekend or federal holiday, the payment goes out on the last business day beforehand. In this case, because November 1 is a Saturday, the payment is moved back to Friday, October 31. That means the next SSI payment after that will be on December 1, so recipients should budget accordingly.
State supplements (if your state adds extra to the federal rate) may alter your total amount, but the federal portion remains fixed until the next cost-of-living adjustment.
Amounts and what they mean
For 2025, the federal SSI rate of $967 (individual) and $1,450 (couple) are the baseline. If you have other countable income, your actual payment will be lower by the amount of income you have above the rules’ thresholds.
Next year’s adjustment anticipates a COLA of about 2.8 %, which will raise the federal maximums in January 2026 to roughly $994 for an individual and $1,491 for a couple. Remember: getting the full federal amount means you meet the eligibility rules (age or disability, low income & resources) and don’t have income that reduces your benefit.
What you should check now
If you receive SSI, verify your banking or deposit account to see when the payment lands; many banks post the funds early on the payment date.
Since there is no separate payment in November, you may want to plan for a longer gap between deposits (from Oct. 31 to Dec. 1). Make sure your mailing address, bank info and income/resource status are current with the administration, so there are no delays or surprises.
In short: if you’re on SSI, expect your “November” payment to hit your account on October 31, since November 1 is a Saturday. The payment amount before reductions for 2025 is up to $967 (individual) or $1,450 (couple). The next payment will come on December 1, so plan a little ahead.