This Wednesday marks the final wave of Social Security benefit payments for November 2025, distributed via direct deposit to millions of beneficiaries across the U.S. This payment is particularly significant as it precedes the implementation of the 2.8% Cost-of-Living Adjustment (COLA) scheduled for January 2026, making it the last payment at 2025 rates.

Social Security Payment Schedule for November 2025

• Social Security benefits are paid on Wednesdays corresponding to beneficiaries’ birth dates:

  

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  • Birthdays 1-10: second Wednesday (November 12)

  • Birthdays 11-20: third Wednesday (November 19)

    

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  • Birthdays 21-31: fourth Wednesday (November 26)

• Wednesday’s payments are the final for November, completing the monthly distribution cycle before the COLA increase.

  

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What the Final November Payment Means

• This deposit reflects the 2025 benefit amounts before the 2.8% COLA increase takes effect.

• Beneficiaries will notice the increase starting with the January 2026 payment, received in early February 2026 for most.

• November payments arriving this Wednesday are crucial for those budgeting over the holiday season and year-end.

  

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Direct Deposit Benefits and What to Expect

• Direct deposit ensures faster, safer receipt of benefits compared to paper checks.

• Deposits usually arrive early in the day but can vary by financial institution.

• Beneficiaries who do not receive direct deposit should anticipate paper checks arriving shortly after direct deposits.

Planning Ahead for the 2026 COLA

• Beneficiaries can view their new projected benefits for 2026 on the SSA “my Social Security” portal once updates are live.

• It’s advisable to prepare budgets considering the upcoming COLA adjustment and increased Medicare premiums for 2026.

• Understanding the timing and amounts allows smoother financial planning through the transition into the new year.

Summary Table: November 2025 Social Security Payment Timing

Q1: When do November Social Security direct deposits end?
The last direct deposit for November 2025 is scheduled for Wednesday, November 26.

Q2: When does the 2026 COLA take effect?
The 2.8% COLA begins with social security payments scheduled for January 2026.

Q3: What if I don’t receive direct deposit?
Paper checks are mailed shortly after direct deposits and may take longer to arrive.