Social Security Payment for Birthdays 1st to 10th: Social Security payments for people with birthdays on the 1st through the 10th of the month are landing a day early this week. The Social Security Administration is paying this group on Tuesday, November 10, 2026, instead of the usual second Wednesday, because Wednesday, November 11 is Veterans Day, a federal holiday. For retirees, disability beneficiaries and survivors in this group, the deposit should reach bank accounts and prepaid debit cards on Tuesday, a full day sooner than many households planned for. The amount has not changed, and nobody has to file anything to get the earlier date. The agency simply pays on the business day before a federal holiday. Everyone else follows the normal rhythm, with the next two groups paid on November 18 and November 25. A bigger story sits behind this week’s deposit too, which is the 3.6 percent cost-of-living raise that starts with the January 2027 payment. We’ll be updating this article monthly.
Here is the short version for readers who only need the answer. If your birthday falls between the 1st and the 10th, your November payment is due Tuesday, November 10. If you started collecting before May 1997, or you also receive Supplemental Security Income, your Social Security payment came on November 3. SSI recipients did not get a check this month at all, because the November SSI payment was moved up to Friday, October 30 when November 1 landed on a Sunday. Social Security offices are closed on Veterans Day, so if something goes wrong with your deposit, the earliest you can reach most local offices in person is Thursday. The national phone line and your online account remain the fastest ways to check on things, and a missing deposit is usually a banking delay, not a lost payment, so a short wait is normal before anyone panics.
Social Security Payment for Birthdays 1st to 10th Key Dates and Highlights
| Detail | What You Need to Know |
|---|---|
| Who is paid November 10 | Beneficiaries with birthdays on the 1st through the 10th |
| Payment date | Tuesday, November 10, 2026 |
| Why it moved | Veterans Day falls on Wednesday, November 11 |
| Next payment for this group | Wednesday, December 9, 2026 |
| Birthdays 11th to 20th | Wednesday, November 18, 2026 |
| Birthdays 21st to 31st | Wednesday, November 25, 2026 |
| Pre-May 1997 and dual beneficiaries | Tuesday, November 3, 2026 |
| SSI for November | Paid early on Friday, October 30, 2026 |
| 2027 cost-of-living adjustment | 3.6 percent, starting with January 2027 benefits |
| Average retirement increase | About $75 a month, per the Social Security Administration |
| Taxable maximum in 2027 | $192,300, up from $184,500 |
Why the Social Security Payment Date Moved to November 10?
Social Security does not pay everyone on the same day. For people who began benefits after April 1997, the payment date depends on the day of the month you were born. Birthdays on the 1st through the 10th are paid on the second Wednesday, birthdays on the 11th through the 20th on the third Wednesday, and birthdays on the 21st through the 31st on the fourth Wednesday.
This November, the second Wednesday is the 11th, and that is Veterans Day. When a scheduled payment date lands on a weekend or a federal holiday, the agency pays on the last business day before it. That is why your deposit arrives on Tuesday. Only the first group is affected. The other two Wednesday groups keep their regular dates, and no one is paid late because of the holiday.
The same rule works at the end of a month and at the turn of the year. It is the reason SSI recipients were paid on October 30 and will be paid again on December 31 for January.
Social Security Payment Schedule for November and December 2026
Use this table to confirm every date that applies to you before you plan bills around a deposit.
| Group | November 2026 | December 2026 |
|---|---|---|
| Pre-May 1997 or Social Security plus SSI | Tuesday, November 3 | Thursday, December 3 |
| Birthdays 1st to 10th | Tuesday, November 10 | Wednesday, December 9 |
| Birthdays 11th to 20th | Wednesday, November 18 | Wednesday, December 16 |
| Birthdays 21st to 31st | Wednesday, November 25 | Wednesday, December 23 |
| SSI | None, paid October 30 | Tuesday, December 1 and Thursday, December 31 |
Two details are worth a second look. First, SSI is paid twice in December because January 1, 2027 is New Year’s Day, so the January SSI payment is moved up to December 31. Second, SSI recipients who also get a Social Security check are paid on two separate dates, with SSI usually arriving at the start of the month and Social Security on the 3rd. Some outlets also report that a Social Security payment normally made on January 3, 2027 may be advanced to December 31 because January 3 is a Sunday. Confirm that date in your my Social Security account or on the official calendar before relying on it.
3.6% COLA for 2027: The Latest Update on Your Next Raise
The cost-of-living adjustment is the other headline for anyone in the November 10 group. The Social Security Administration announced in October that benefits will rise 3.6 percent in 2027. According to the agency, that works out to about $75 more per month for the average retired worker, and the change reaches roughly 76 million people across Social Security and SSI. Nearly 72 million Social Security beneficiaries will see the raise in their January 2027 payments, and about 7.3 million SSI recipients will see theirs starting December 31, 2026.
News outlets reporting on the announcement put the estimated average retired worker benefit at $2,170 a month after the increase. The same estimates show the average widow or widower benefit rising by about $69, from $1,936 to $2,005, and the average disability benefit rising by about $59, from $1,642 to $1,701. Those are averages, not promises about your own check. Your increase depends on your current benefit, and the simplest way to estimate it is to multiply your monthly amount by 0.036.
The 3.6 percent figure is the largest cost-of-living adjustment since 2023. It follows a 2.8 percent increase for 2026. Advocacy groups note that medical costs for older adults have been rising faster than the raise, and that Medicare premiums are deducted from many checks before the money reaches the bank. The agency says Medicare information for 2027 will be published on medicare.gov, so check your own notice for the exact amount that will land in your account.
When will you see the new amount? Social Security says the fastest way to view your COLA notice is inside your my Social Security account. Paperless notices appear in the Message Center starting in late November, and the agency asks people to create an account and enroll in paperless notices by November 18 to see the notice online. Paper notices go out in early December.
Average Social Security Benefit Amounts Before and After the 2027 Raise
| Beneficiary type | Average before raise | Average after 3.6% raise |
|---|---|---|
| Retired worker | Not published here | $2,170 per month |
| Widow or widower | $1,936 | $2,005 |
| Disabled worker | $1,642 | $1,701 |
| All beneficiaries, June 2026 | $1,938 | 2027 average not yet published |
| Retired workers, June 2026 | $2,084 | See $2,170 estimate above |
The June 2026 numbers come from a senior advocacy group summarizing agency data and are the latest monthly averages available in the sources reviewed for this article. The 2027 figures come from agency estimates relayed by national news outlets and AARP. Individual payments vary widely depending on lifetime earnings, the age you claimed and any deductions.
Social Security Payment and COLA Calculator
Use the calculator that comes with this article to run two quick checks. The first tool estimates your 2027 benefit by applying the 3.6 percent raise to your current monthly amount. It also lets you type in a Medicare deduction if you pay premiums out of your check, so you can see a more realistic take-home number. The second tool is a payment date finder. Enter your birth day and it tells you which group you belong to and shows your November and December 2026 dates.
The math is simple. Your new gross benefit equals your current benefit times 1.036. The yearly gain equals your monthly gain times 12. Rounded to the nearest dollar, a person receiving $1,500 a month would see about $54 more, for a new benefit near $1,554. A person receiving $2,100 would see about $76 more. The Medicare box is optional and only subtracts whatever amount you enter, because the final 2027 premium is published separately by Medicare.
Social Security Calculator: 2027 Raise and Payment Date
1. 2027 Benefit Increase (3.6% COLA)
2. Payment Date Finder (Nov and Dec 2026)
Estimate only. Your official amounts and dates are in your my Social Security account at ssa.gov/myaccount.
Who Else Gets Paid This Month: SSI and Pre-1997 Beneficiaries
SSI works on a different calendar. It is a needs-based program for people with limited income and resources who are 65 or older, blind or disabled. SSI is normally paid on the first of the month, and when the first falls on a weekend or holiday the payment arrives on the previous business day. November 1, 2026 was a Sunday, so the November SSI payment was made on Friday, October 30. That means there is no SSI deposit in November. If you were expecting one, nothing is missing.
People who started getting Social Security before May 1997, and people who receive both Social Security and SSI, are paid their Social Security benefit on the 3rd of the month. For November that was Tuesday, November 3. Their next payment is Thursday, December 3.
How to Apply for Social Security Benefits
If you are not yet receiving benefits, the steps are straightforward.
- Decide when to claim. Retirement benefits can start as early as age 62, though claiming early permanently reduces your monthly amount. Waiting until full retirement age or later increases it.
- Create or sign in to your my Social Security account, and review your earnings record for gaps or errors before you file.
- Apply online at ssa.gov/apply, or call the national line at 1-800-772-1213, or make an appointment at a local office. The agency suggests applying a few months before you want benefits to start.
- Gather your documents. You will typically need your Social Security number, proof of birth date, recent tax or wage records and bank details for direct deposit.
- Choose direct deposit. Electronic payment is the fastest and safest way to receive the money.
- Keep your confirmation number and watch your Message Center or mail for requests from the agency.
Disability and survivor claims have extra paperwork, including medical evidence for disability claims. Start these early and respond quickly to requests, because delays in documents are the most common reason claims stall.
Processing Time: How Long Until Your First Payment Arrives
There is no single processing time. Straightforward retirement claims are often decided within weeks, while disability claims can take several months and sometimes longer if an appeal is needed. These are general patterns rather than guarantees, and the agency posts its own current wait figures on ssa.gov.
Once you are approved, the timing of the first deposit follows a simple rule. Social Security benefits are paid in arrears, which means the payment you receive in a given month covers the previous month. If you become eligible in March, your first payment arrives in April. Your first deposit then lands on the Wednesday that matches your birthday group. If your date falls on a holiday, it moves to the business day before.
If you applied recently and want to know where things stand, sign in to your account or call the national line. Do not pay anyone to check your status. The agency does not charge for that.
What to Do If Your November 10 Payment Does Not Arrive
Most missing payments are timing or banking problems that can be fixed quickly. Start with your bank, because some banks post deposits later than others. Confirm that the direct deposit details on file are correct. Sign in to your my Social Security account to look at your payment history and any messages.
If you still do not see the money after waiting the three extra mailing days the agency recommends, contact Social Security through the national phone line or a local office. A trace can be started, and a replacement can be issued if the payment was lost. Keep notes on the date and time of each contact. If you received a letter that you did not expect, verify it by signing in to your own account instead of using phone numbers or links in the letter.
Official Social Security Links: Login, Apply, Check Status and More
Use only official government websites. The table below lists the pages most readers need after a payment change.
| Purpose | Official website |
|---|---|
| Sign in to my Social Security | https://secure.ssa.gov/RIL/SiView.action |
| Create an account and manage benefits | https://www.ssa.gov/myaccount |
| Apply for retirement, disability or survivor benefits | https://www.ssa.gov/apply |
| Retirement benefits information | https://www.ssa.gov/retirement |
| Disability benefits information | https://www.ssa.gov/disability |
| Survivor benefits information | https://www.ssa.gov/survivor |
| Supplemental Security Income | https://www.ssa.gov/ssi |
| 2027 COLA information | https://www.ssa.gov/news/en/cola |
| Official payment schedule publication | https://www.ssa.gov/pubs |
| Find a Social Security office | https://www.ssa.gov/locator |
| Forms | https://www.ssa.gov/forms |
| Replace Social Security card | https://www.ssa.gov/number-card |
| Medicare information | https://www.medicare.gov |
| Report fraud | https://secure.ssa.gov/pfrf/home |
Conclusion
The takeaway for the 1st to 10th group is simple. Your November Social Security payment arrives Tuesday, November 10, one day early, and your next one comes Wednesday, December 9. The earlier date does not change the amount, and nothing needs to be filed. The larger change is waiting in January, when the 3.6 percent cost-of-living adjustment begins to show up, with about $75 more per month for the average retired worker according to the agency. Check your account in late November for your notice, compare it with the calculator estimate, and keep the official links handy if anything looks off. We’ll keep this page current as the agency releases new figures.
FAQs
When is the Social Security payment for birthdays 1st to 10th in November 2026?
The payment is scheduled for Tuesday, November 10, 2026. It is a day earlier than the usual second Wednesday because November 11 is Veterans Day, a federal holiday.
Why is Social Security paid on Tuesday this month?
The second Wednesday of November falls on Veterans Day. When a payment date lands on a federal holiday, the agency pays on the last business day before it, which is Tuesday, November 10, for the 1st to 10th group.
When is the next payment for people born on the 1st to 10th?
The next payment for this group is Wednesday, December 9, 2026. After that, the usual second Wednesday schedule continues into 2027, with holiday changes announced by the agency.
Do I need to do anything to get the payment early?
No. The date change is automatic. You do not need to file a form, call the agency or update your direct deposit information unless your bank details have changed.
How much is the 2027 Social Security COLA?
The cost-of-living adjustment for 2027 is 3.6 percent. The agency says it adds about $75 per month to the average retirement benefit beginning in January 2027.
Will SSI be paid in November 2026?
No SSI payment is scheduled in November. The November payment was issued early on Friday, October 30, 2026, because November 1 fell on a Sunday. SSI is paid again on December 1 and December 31.
What should I do if my Social Security payment is late?
Wait three additional mailing days after the scheduled date, check with your bank and review your my Social Security account. If the payment is still missing, contact the agency by phone or at a local office.
Where can I see my 2027 benefit amount?
Sign in to your my Social Security account and check the Message Center, where paperless COLA notices begin appearing in late November. Paper notices are mailed in early December.
Is Social Security paid on the second Wednesday for birthdays 1st to 10th?
Yes. For beneficiaries who started benefits after April 1997, birthdays on the 1st to 10th are paid on the second Wednesday each month. November 2026 is the exception, with payment on Tuesday, November 10.
Is there Social Security payment on Veterans Day?
No. Veterans Day is a federal holiday, and Social Security offices are closed. Payments due that day are issued on the previous business day instead.
Who gets paid on November 3?
People who began receiving Social Security before May 1997, and people who receive both Social Security and SSI, are paid on the 3rd of the month. Their November payment arrived on Tuesday, November 3.
How do I calculate my Social Security increase for 2027?
Multiply your current monthly benefit by 0.036 to estimate the increase, then add it to your current amount. Medicare premiums, if deducted from your check, will reduce the amount you receive.
How long does it take to get approved for Social Security?
It varies. Retirement claims are often decided within weeks, while disability claims can take months. Check the agency’s website for current processing information and respond quickly to any request for documents.
What is the maximum Social Security taxable earnings amount for 2027?
The agency says the taxable maximum will rise to $192,300 in 2027 from $184,500 in 2026. Earnings above that limit are not subject to the Social Security payroll tax.
