Social Security benefits as high as $5,108 are being given to the qualified recipients according to their birth dates as part of the regular November 2025 payment schedule this week. Such payments are bookends to November staggered payments and lead to the next 2.8% Cost-of-Living Adjustment (COLA) in 2026.
Who Receives the $5,108 Benefit?
– The maximum Social Security retirement benefit is the $5,108 a month which one receives in case they do not take benefits before age 70 and they have worked 35 years to earn the maximum taxable wage base.
– It is a high-level payment that is susceptible; the majority of beneficiaries get lower rates based on work experience, income, and age at which they claim.
– The average retired worker had a monthly benefit of approximately 2,008 when we come to August 2025.
November 2025 Payment Dates
– Benefits under social security are received on Wednesday according to the date of birth:
– 1st -10th birthdays: payment on November 12.
– 11th -20th birthdays: payment on November 19.
– 21st to 31st birthdays: on November 26.
Other exceptions include Supplemental Security Income (SSI) and anyone who applied prior to May 1997 and will not be on the same schedule.
– The remaining November 26 payment will be the final payment to the majority of recipients this month, which will complete the payments of the month.
Significance of This Pay Cycle
– It is the last Social Security deposit of November before the annual COLA that represents the inflation adjustments.
– The 2.8% COLA will raise monthly benefits beginning with January 2026 payment and will raise the average benefit by approximately 56 dollars.
– The maximum benefit will increase by an estimated 5,244 in 2026 as compared to the present maximum benefit of 5,108.
What to Consider on the COLA and Future Fees
– Medicare Part B premiums are also increasing at a very high rate against 2026, which can counter some gains even though there is an increase in benefits with COLA.
– The average Part B premiums will grow by 185 to 202.90 a month in 2026 and will be directly deducted to the social security payments of most of the recipients.
– Retirees need to budget considering the increase in the COLA and the increased Medicare premiums.
Payments Checking Address
– Through the Get My Payment tool offered by the SSA, beneficiaries can monitor the activity of their Social Security or SSI payments and receive information regarding the exact date when the payment will be conducted.
– Check clearing is the quickest method of accessing the money; recipients of the paper checks need to buy more time.
– Delays can be incurred as a result of any holidays or weather-induced interruption in the mail.
Summary Table: November 2025 Social Security / SSI Payment Calendar
| Birth Date Range | Payment Date | Notes |
|---|---|---|
| 1st – 10th | November 12, 2025 | Regular Wednesday payment |
| 11th – 20th | November 19, 2025 | Regular Wednesday payment |
| 21st – 31st | November 26, 2025 | Last November payment |
| SSI Payments | Various | Different schedule, often monthly |
FAQs
Q1: Who is receiving the $5,108 Social Security payment?
Individuals who do not retire until 70 with the highest earnings.
Q2: When will the 2026 COLA become effective?
The raising is effective to payments made in January 2026.
Q3: What would increasing Medicare premiums mean to my Social Security check?
Part A will reduce part of the increase in the COLA as higher Part B premiums will be deducted against benefits, budget.
