Social Security Payment Schedule 2023: Exact Mailing Dates for November

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If you’re receiving Social Security benefits from the United States Social Security Administration (SSA), you can use the Social Security Payment Schedule for 2023 to find out when you can expect to receive your benefits.

It’s important for retirees, disabled people, and beneficiaries who rely on Social Security payments to know when they will receive their Social Security benefit payments so that they can budget accordingly and make sure that their bills are paid on time.

The November 2023 payment schedule for Social Security benefits should be the same as it was in previous months. However, the SSA’s payment schedule can be confusing. As such, we’ve compiled this comprehensive guide to help anyone receiving Social Security benefits know when they can expect to receive their benefits in November 2023.

Keep reading and we’ll explain everything you need to know.

For December's payment dates, see our blog: Social Security Schedule 2023: Exactly When to Expect Your Check In December 2023

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Overview of the Social Security Schedule 2023

The SSA’s payment schedule for 2023 runs on a system that’s based on the birthdays of those who are receiving benefits. Basing the disbursement of benefits on birthdates means it's easier for people to (1) figure out when their benefits will be sent out each month, and (2) budget those benefits.

Typically, the SSA sends out Social Security benefit checks on the third of the month, and then on each Wednesday of each month. This information is based on the SSA's official Social Security Payment Schedule for 2023.

Social Security Payment Dates for November 2023: What Day Will My November 2023 Payment Arrive?

The date that Social Security payments for November 2023 will be sent depends on the birthday of the person who is receiving the benefit.

So, if you are a parent receiving SSI for a child under 18, the mailing date of the Social Security benefit check will be based on the child’s birth date, not your own. But if you are the person who is receiving benefits from the SSA, the exact mailing date each month will depend on your birthdate. The Social Security payment schedule for November 2023 looks like this:

November 1, 2023. Supplemental Security Income (SSI) payments are always made on the first day of each month—unless the first day of the month falls on a holiday or a weekend. Since November 1, 2023 falls on a Wednesday, SSI beneficiaries should get their checks on November 1.

November 3, 2023. You will get a Social Security payment on November 3rd if:

  • You live outside of the United States.
  • Your Medicare premiums are paid for by your state.
  • You receive both Social Security and SSI benefits.
  • You filed for Social Security benefits before 1997.

November 8, 2023. If the date of your birth is on any date from the 1st to the 10th of the month, you will get your Social Security benefit payment on the 2nd Wednesday in November—which is November 8, 2023.

November 15, 2023. If the date of your birth falls on any day between the 11th and the 20th of the month, you will get your November Social Security payment on the third Wednesday in November—which is November 15, 2023.

November 22, 2023. If your birth date falls on any day between the 20th and the 30th of the month, you will receive your November Social Security benefit payment on the fourth Wednesday in November—which is November 22, 2023.

Social Security Payments 2023: How Much Money Will Be Sent Out In November?

The amount of Social Security benefit payments in 2023 increased substantially thanks to the largest COLA (cost-of-living-adjustment) in history that happened in 2022. Social Security benefit amounts for November 2023 are based on the type of Social Security benefit that you receive.

The following three sections discuss monthly Social Security benefit amounts based on the type of Social Security benefit you receive.

SSI Payment Amounts In November 2023

The maximum SSI payment for November 2023 is $914, but the average SSI payment for an individual is around $600. Married couples who are both receiving SSI can get a combined benefit of $1,371. The SSI payment for November 2023 is based on factors like age and is unique for each person who receives benefits.

SSDI Payment Amounts In November 2023

If you are receiving Social Security disability benefits the Social Security disability payment amount for November 2023 varies based on your unique situation. But the maximum SSDI benefit amount per month is $3,627. Most people get around $1,358 in disability benefits per month in 2023.

Social Security Retirement Benefit Amounts In November 2023

In 2023, Social Security retiree benefits average around $1,827 per month. However, the exact amount of Social Security retirement benefit money you can receive in November 2023 depends on the age at which you stopped working (i.e., your retirement age). If you wait until full retirement age, you will get a much bigger benefit amount.

In November 2023 the maximum Social Security retirement benefit amount is $3,627 per month. Only people who retired at full retirement age (FRA) of 67 years old will receive $3,627 in November 2023. But, people who wait until 70 to retire can receive the “absolute maximum [retirement] benefit” amount of $4,555 per month in 2023. However, to get this whopping sum of $4,555 per month, one must’ve been a “high earner for 35 years” and waited until they were 70 years old to claim their retirement benefits. Someone who retired at the minimum retirement age of 62 will receive $2,572 in November 2023.

If you’re not sure what your Social Security disability benefit amount should be try our unique Disability Benefits Calculator to estimate how much money you will receive in Social Security benefits.

Key Factors Influencing November 2023 Payment Dates

There are several different factors influencing November 2023 Social Security benefit payment dates. The biggest factor is your date of birth. This is because the payment dates for Social Security benefits are based on the date of your birth. So, your birthday will affect the timing of the Social Security benefit payment that you receive in November.

Other factors that can impact the arrival date of Social Security benefit payments are postal delays, holidays and weekends when the post office doesn’t deliver mail, and whether or not you choose to receive your benefit through direct deposit instead of receiving a paper check.

Social Security Benefits Mailing Dates - November 2023

Factors Affecting Early or Late Payments for November 2023

The Social Security Administration makes every effort to get Social Security benefit payments to beneficiaries on time, but there are factors out of their control that sometimes mean payments arrive early, or late. When payment dates fall close to holidays or weekends when the postal service doesn’t deliver mail, that can mean a delay in the arrival of a benefit check. In November, the Thanksgiving holiday can mean a delay in the arrival of a Social Security benefit check for anyone who should receive their benefit check on the fourth Wednesday in November (i.e., Wednesday, November 22nd).

The holiday season that begins with Thanksgiving in November of 2023 can also cause postal delays due to the large amounts of packages and mail being sent around for the holidays. That can cause a delay in both November 2023 Social Security benefit payments and December 2023 Social Security disability benefit checks.

If you want to be sure that your Social Security benefits arrive on time, and you don’t want to risk postal delays making it tough for you to pay your bills on time, the SSA does offer alternative methods people can use to get their Social Security payments faster.

How To Get Your November 2023 Social Security Payment Checks Faster

If you are worried that your November 2023 Social Security payment check will be late and that will affect your ability to pay bills and buy essentials, you can use the resources offered by the SSA to get your benefit on time every month.

The best way to make sure that your Social Security payment check arrives on time every month is to set up a “my Social Security” account on the SSA’s website. Through this account, you can set up a direct deposit to your checking account so that your Social Security benefit is deposited into your bank account every month on your usual payment date. That means no more waiting for payment checks and no more delays!

If you don’t have a bank account, you can sign up for the SSA’s Direct Deposit Debit Card. Each month, your Social Security benefits will be deposited directly onto your card on your payment date and you can use the card like any credit or debit card to pay bills, buy things, or withdraw your benefits in cash from an ATM.

How to Check Your Payment Date

If you’re not sure what your specific Social Security benefit payment date for November 2023 is, or you are confused by the birthdate system that the SSA uses, you can check your specific payment date by looking on the SSA’s website, checking your “my Social Security” account, or calling the SSA’s toll-free phone line at 1-800-772-1213 (TTY 1-800-325-0778). You can also make an appointment at your local SSA office and someone there will go over payment dates for 2023 with you and tell you when your Social Security benefit payment dates are.

Tips for Managing Social Security Payments

Social Security payments only come once a month, which can make budgeting and financial planning difficult. To make sure that you are using your funds efficiently and getting the most that you can out of those payments, you should consider using budget tools like:

  • Automatic bill payments
  • Budget billing of utilities
  • Planning once or twice a month grocery shopping trips using store sales and coupons
    and other money-saving strategies.

Will the November 2023 Checks Be Impacted By the 2024 COLA Increase for Social Security?

The SSA announced the 2024 cost of living adjustment (COLA) increase last week on October 12, 2023. More specifically, they announced that 2024 COLA will be a 3.2% increase. This means that Social Security benefit checks for 2024 will see a 3.2% increase.

November 2023 Social Security checks will not be impacted by the 2024 COLA increase for Social Security. But your December 2023 Social Security benefit payments may be impacted by COLA because the first 3.2% increased payments for 2024 will go out on December 29th, 2023.

The recently announced 2024 COLA increase will not affect November 2023 payments. But it might affect December 2023 Social Security payment amounts

Special Considerations

Special circumstances that may affect SSI, SSDI, and other Social Security benefit payments are when the benefit’s payment date falls on a weekend. If an SSI payment date falls on a Saturday, you will receive your payment on the Friday before the payment date. If the payment date falls on a Sunday, you may receive your payment on either the Friday before or the Monday following the Sunday payment date—depending on when the United States Postal Service (USPS) processes the check.

If you have moved or changed your name because of marriage, you should also go into your “my Social Security” account and make sure that your information is accurate and current so that your benefit checks arrive promptly and to the right address.

Conclusion

Social Security benefit payments for November 2023 should be on time and follow the same pattern as previous months. The benefit payout schedule is based on the beneficiary’s birthdate, however, if you are having a hard time figuring out the schedule, you can get personalized help from the SSA. Or fill out a Free Case Evaluation below and get personalized advice about Social Security benefits from an attorney who subscribes to this website and specializes in Social Security cases.

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