The U.S. Social Security Administration (SSA) releases an official Social Security payment schedule for 2025, outlining the exact dates when beneficiaries will receive their monthly funds. These Social Security payments are determined by the recipient’s date of birth or, in some cases, their prior benefit history. This structured payment cycle helps retirees, disability beneficiaries, and survivors plan their monthly finances effectively.
November 2025 Social Security Payment Schedule
Final November Payment: November 26, 2025
The last Social Security payment for November 2025 is set for Wednesday, November 26. This date applies specifically to individuals whose birthdays fall between the 21st and the 31st of the month.
This group—retirees, disability beneficiaries, and survivors—always receives their benefits during the fourth week of the month, following a system that has remained consistent since 1997.
Social Security Payments Already Issued in November 2025
The Social Security November 2025 payout cycle is staggered across the month:
• November 3, 2025 — Early Beneficiaries
Payments were issued on November 3 to people who began receiving Social Security before May 1997.
This category includes individuals claiming both Social Security and SSI (Supplemental Security Income).
• November 12, 2025 — Birthdays 1st to 10th
The next group receives their benefits on November 12, covering beneficiaries with birthdays between the 1st and 10th.
• November 19, 2025 — Birthdays 11th to 20th
Individuals born between November 11 and November 20 receive payments on November 19.
• November 26, 2025 — Birthdays 21st to 31st
The final wave of payments arrives on November 26, as noted earlier.
Maximum Social Security Benefits for November 2025
Next-to-Last Month Under 2025 COLA
November payments still reflect the 2025 Cost-of-Living Adjustment (COLA) of 2.5%, which was added at the start of the year.
A new 2026 COLA—set at 2.8%—will take effect in January 2026.
Maximum Retirement Benefit at Full Retirement Age
- Full retirement age (FRA) for individuals turning 67 in 2025 remains 67.
- The maximum benefit at FRA is $4,018 per month.
Maximum Benefit With Delayed Retirement Credits
Beneficiaries who wait until age 70—and have maximized their contributions—can receive significantly more:
- Maximum monthly benefit at age 70: $5,108
Requirements for Maximum Social Security Payments
To reach the highest possible benefit, a worker must:
- Have 35 years of work history
- Earn at or above the maximum taxable income limit every year
- For 2025, this taxable earnings cap is $176,100
Average Social Security Payments After the 2025 COLA
Not all beneficiaries receive the maximum payout. Most fall within the average Social Security payment range, which also reflects the 2.5% COLA boost.
Updated Average Social Security Amounts
Retirees
- Previous average: $1,927
- New average: $1,976
Couples (Both Receiving Benefits)
- Previous average: $3,014
- New average: $3,089
Disability (SSDI) Recipients
- Previous average: $1,503
- New average: $1,539
Survivors’ Benefits
- Widowed parents with dependent children:
- From $1,867 to $1,911
- Elderly widows/widowers:
- From $1,796 to $1,840
These updated averages offer a clearer picture of what most Social Security beneficiaries actually receive each month.
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Conclusion
The Social Security November 2025 payment schedule provides beneficiaries with clear and predictable distribution dates based on birth order and payment category. With November marking the second-to-last month under the 2025 COLA, beneficiaries continue to receive stabilized payments before the higher 2026 adjustment arrives in January. Understanding maximum benefit limits, average payouts, and all key Social Security payment dates helps retirees and disability beneficiaries better plan their monthly budgets.
FAQs
1. When is the final Social Security payment for November 2025?
The last payment is scheduled for November 26, for individuals with birthdays from the 21st to the 31st.
2. Will Social Security amounts increase again before 2026?
No. The next increase will occur with the 2026 COLA, set at 2.8%, beginning in January.
3. What is the highest Social Security benefit someone can receive in 2025?
A beneficiary who claims at age 70 can receive up to $5,108 per month, provided they met earnings requirements.