Social Security and SSI Payment Schedule: November 2026 Through December 2027
Updated October 29, 2026
"When is my Social Security check coming?" spikes in searches every month, and the end of 2026 is especially confusing: SSI recipients get two deposits in October and none in November, a holiday moves one November payment to a Tuesday, and the 3.6% raise for 2027 shows up on different dates depending on what you receive. Here is every payment date from November 2026 through December 2027 in one place.
Quick answer: Social Security retirement, survivor and disability (SSDI) benefits are paid on the second, third or fourth Wednesday of the month, based on your birthday (1st–10th, 11th–20th, 21st–31st). SSI is paid on the 1st, or the business day before if the 1st is a weekend or holiday. In November 2026, the first Wednesday group is paid Tuesday, Nov. 10 because Nov. 11 is Veterans Day. The 3.6% COLA arrives with the SSI payment on Dec. 31, 2026 and with Social Security payments in January 2027.
Which date applies to you?
| If you... | You're paid on |
|---|---|
| Get Social Security and your birthday is the 1st–10th | 2nd Wednesday |
| Get Social Security and your birthday is the 11th–20th | 3rd Wednesday |
| Get Social Security and your birthday is the 21st–31st | 4th Wednesday |
| Started Social Security before May 1997, or get both Social Security and SSI | The 3rd of the month |
| Get SSI | The 1st of the month |
If you get spousal or survivor benefits, use the birthday of the worker whose record you're paid on, not your own.
November and December 2026
| Month | SSI | 3rd-of-month group | Birthday 1st–10th | 11th–20th | 21st–31st |
|---|---|---|---|---|---|
| November 2026 | Fri, Oct. 30 | Tue, Nov. 3 | Tue, Nov. 10 | Wed, Nov. 18 | Wed, Nov. 25 |
| December 2026 | Tue, Dec. 1 | Thu, Dec. 3 | Wed, Dec. 9 | Wed, Dec. 16 | Wed, Dec. 23 |
The SSI deposit on Oct. 30 is November's payment sent early, not a bonus. The SSI deposit on Thursday, Dec. 31, 2026 is January 2027's payment, sent early because Jan. 1 is a holiday, and it is the first SSI check with the 3.6% increase.
2027 Social Security payment schedule
| Month | Birthday 1st–10th | 11th–20th | 21st–31st | 3rd-of-month group |
|---|---|---|---|---|
| January | Jan. 13 | Jan. 20 | Jan. 27 | Dec. 31, 2026 |
| February | Feb. 10 | Feb. 17 | Feb. 24 | Feb. 3 |
| March | Mar. 10 | Mar. 17 | Mar. 24 | Mar. 3 |
| April | Apr. 14 | Apr. 21 | Apr. 28 | Apr. 2 |
| May | May 12 | May 19 | May 26 | May 3 |
| June | June 9 | June 16 | June 23 | June 3 |
| July | July 14 | July 21 | July 28 | July 2 |
| August | Aug. 11 | Aug. 18 | Aug. 25 | Aug. 3 |
| September | Sept. 8 | Sept. 15 | Sept. 22 | Sept. 3 |
| October | Oct. 13 | Oct. 20 | Oct. 27 | Oct. 1 |
| November | Nov. 10 | Nov. 17 | Nov. 24 | Nov. 3 |
| December | Dec. 8 | Dec. 15 | Dec. 22 | Dec. 3 |
2027 SSI payment schedule
| Payment for | Arrives |
|---|---|
| January 2027 | Thu, Dec. 31, 2026 |
| February | Mon, Feb. 1 |
| March | Mon, Mar. 1 |
| April | Thu, Apr. 1 |
| May | Fri, Apr. 30 (May 1 is a Saturday) |
| June | Tue, June 1 |
| July | Thu, July 1 |
| August | Fri, July 30 (Aug. 1 is a Sunday) |
| September | Wed, Sept. 1 |
| October | Fri, Oct. 1 |
| November | Mon, Nov. 1 |
| December | Wed, Dec. 1 |
| January 2028 | Fri, Dec. 31, 2027 |
That means SSI recipients see two deposits in April, July and December 2027 and none in May and August. Budget the early one for the following month.
What the 3.6% COLA means for 2027
- The Social Security Administration announced a 3.6% cost-of-living adjustment for 2027 on Oct. 14, 2026, up from 2.8% for 2026.
- SSA says the average retirement benefit rises by about $75 a month.
- About 7.3 million SSI recipients see the increase starting Dec. 31, 2026. Nearly 72 million Social Security beneficiaries see it in their January 2027 payment.
- The maximum earnings subject to Social Security tax rises to $192,300 in 2027, from $184,500.
- Your personal COLA notice arrives online in your my Social Security account, or by mail in December. Your net amount also depends on the 2027 Medicare Part B premium, which is typically announced in November.
What if my payment doesn't arrive?
- Check the date in the tables above. Holiday and weekend shifts cause most "missing" payments.
- For direct deposit, check with your bank first; deposits can post at different times of day.
- SSA asks people to wait three additional mail days before reporting a missing paper check.
- Still nothing? Contact SSA through your my Social Security account or call 1-800-772-1213.
FAQ
Is the Oct. 30 SSI deposit extra money?
No. It's November's payment arriving early. There will be no SSI deposit in November.
Does the 3.6% raise apply to SSDI?
Yes. The COLA applies to retirement, survivor and disability benefits, as well as SSI.
Why is one November payment on a Tuesday?
The second Wednesday of November 2026 is Nov. 11, Veterans Day. Federal payments aren't issued on holidays, so that group is paid the day before.
Dates are based on SSA's published payment rules and schedules. Always confirm your own date in your my Social Security account.
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