The Social Security Administration (SSA) will send its next round of retirement and disability benefits on Tuesday, November 10, one day earlier than the calendar would normally call for. The money goes to beneficiaries born between the 1st and the 10th of the month, because the second Wednesday of November falls on Veterans Day, a federal holiday.
We already explained why this payment moved up to Tuesday. With the deposit now just days away, here is how to tell whether it is yours, how much to expect and what to do if your account still looks empty once the date has passed.
Who will get the money on Tuesday?
The November 10 payment follows the birthday rule the SSA uses for most beneficiaries. You should expect a deposit if all of this applies to you:
- You were born between the 1st and the 10th of any month.
- You started receiving benefits after May 1997.
- You do not receive Supplemental Security Income (SSI) at the same time as Social Security.
Retired workers and people on Social Security Disability Insurance (SSDI) are both part of this group. If you collect benefits on someone else’s work record, such as a spouse or a survivor, the birthday that counts is the worker’s, not yours.
People who began collecting before May 1997, or who receive SSI and Social Security together, are on a different track. Their Social Security money arrived on November 3, so nothing further is coming to them on Tuesday.
How much will be in the deposit?
The amount depends on your work record and the age at which you claimed. According to the SSA’s latest fact sheet, the average retired worker receives an estimated $2,095 a month before the coming raise, while the average disabled worker receives about $1,642. A worker who retired at full retirement age in 2026 can get as much as $4,152.
Don’t look for the 3.6% cost-of-living adjustment (COLA) in this deposit. The SSA says the increase begins with benefits payable in January 2027, so Tuesday’s payment will look like the ones you have received all year.
What should you do if the payment doesn’t arrive?
First, don’t panic on Tuesday morning. Banks post direct deposits at different times of the day. If the money still isn’t there, the SSA’s 2026 payment schedule asks beneficiaries to allow three additional mailing days before contacting the agency.
This month the holiday stretches that wait. Wednesday, November 11 is not a mailing day, and SSA offices are closed. Counting Thursday, Friday and Saturday, the realistic day to call is Monday, November 16.
In the meantime, take these steps:
- Sign in to your my Social Security account and confirm your payment history and the bank details on file.
- Ask your bank whether a deposit is pending, especially if you recently changed accounts.
- If you still have nothing after the waiting period, call the SSA at 1-800-772-1213 (TTY 1-800-325-0778) or contact your local office.
Be careful with anyone who reaches out first about a “missing” payment. Scammers often use payment dates as cover, and you should never share your Social Security number or bank details with an unexpected caller.
When is the next Social Security payment?
If your birthday falls later in the month, your date is still ahead. Here are the remaining payments for the rest of this cycle:
- Wednesday, November 18: birthdays from the 11th to the 20th.
- Wednesday, November 25: birthdays from the 21st to the 31st.
- Tuesday, December 1: SSI recipients.
- Thursday, December 3: people who started before May 1997 or who receive both SSI and Social Security.
You can check the full November payment calendar for every group. And if you want to see your 2027 benefit amount as soon as possible, you have until November 18 to set up online access to your COLA notice.
