People in the United States who count on Supplemental Security Income (SSI) to meet their basic needs depend on this benefit more than any other. The Social Security Administration (SSA) runs a program called SSI that helps seniors, people with disabilities, and low-income Americans pay for the costs of living in the United States. For people who get it, SSI is a very important source of income that they look forward to every month.

One important part of this program is the Cost-of-Living Adjustment (COLA), which is made every year to help recipients’ buying power keep up with inflation. Even though it’s only done once a year, this change keeps the value of SSI in line with changes in the market. But this yearly change doesn’t happen until January, so the 2025 COLA isn’t yet reflected in the November checks.

People who get SSI will get two payments instead of one in November. Even though this is good news for many, it is important to know why there is a double item and why the 2025 COLA is not included in this month’s payments.

When does November’s SSI show up?

People who get SSI will get two payments in November. As always, the first payment will be made at the start of the month, on November 1. The second payment, on the other hand, will come at the end of the month, on November 29. It is an advance on the December check. If the first day of the month is a holiday or weekend, like it is in December, this happens. This lets recipients get their money on time.

This advance makes sure that SSI recipients don’t have to wait for their December payment, so they can better plan their funds. So, even though they will only get one monthly payment in December, getting both payments in November keeps their coverage the same and doesn’t change the regular plan in any way.

When we think about the way of collection, we should remember that we might or might not get the SSI on the same day it was shipped. If this way of payment is used, the money will be in the bank account the same day the shipment is made. We will only have to wait a few days if not.

Why isn’t the COLA 2025 in the November SSI?

It is important to remember that the 2025 COLA will not be reflected in the November SSI. Instead, it will be reflected in the January payouts of next year. The payment for November is still based on the 2024 COLA change. This means that the amount is higher than the 2023 COLA but does not include the increase for next year.

The COLA for 2025 will be 2.5%, and it will start with the first payment in January. Until then, beneficiaries will continue to get payments that are changed for the 2024 COLA. This makes sure that their income doesn’t go down from last year and doesn’t show the rise that will come with next year’s adjustment either.

This information is very important for beneficiaries because it helps them understand why the 2025 COLA wasn’t sent out in November and plan their funds better for the last few months of 2024. Because of this, getting the change in January will give them an extra boost to start the year which will help them deal with the higher cost of living.