Millions of Americans who depend on Social Security benefits will notice an unusual change this October. As reported by the Independent, more than 70 million people receiving retirement and disability payments will get two checks this month.
The Social Security Administration (SSA) explained the timing shift in a blog post. When the first day of a month lands on a weekend or holiday, payments are issued on the last business day before. This means recipients will see October’s payment on October 1 and November’s on October 31.
“When the first day of the month falls on the weekend or a federal holiday, you receive your SSI payment on the last business day before the first day of the month. That means you may get two SSI payments in the same month,” the SSA wrote.
Why there are double SSI payments this month
The October 1 deposit covers October, while the October 31 deposit is November’s check paid early to prevent delays. Officials note that recipients should wait three business days before contacting the agency if payments do not arrive as expected.
Key SSI dates for 2025
- October 1 – Payment for October
- October 31 – Payment for November
- December 1 – Payment for December
- December 31 – Payment for January 2026
COLA adjustment on the horizon
This October, the SSA will also announce the 2026 Cost-of-Living Adjustment (COLA). The Senior Citizens League estimates a 2.7% increase, reflecting higher prices for housing, food, and other essentials. The increase will appear in payments starting January 2026.
Debate over retirement age
Speculation has circulated about possible changes to the retirement age under President Donald Trump. SSA Commissioner Frank Bisignano initially remarked that “everything’s being considered” when asked about raising the age. He later clarified on X that such a change is not being pursued, adding: “President Trump and I will always protect Social Security.”
Still, Axios has reported challenges within the SSA, including staffing reductions, shorter appointment times, and policy changes that have made the process more difficult for disabled and low-income Americans who rely most heavily on the program.
FAQs
Why are there two SSI checks in October?
Because November’s payment falls on a weekend, it is sent in advance.
When will the COLA increase apply?
Starting January 2026.
Is the retirement age rising soon?
No. The SSA says raising the age is not being considered.
