US Social Security Payouts: $5,108 Checks to Arrive in November, Despite Shutdown

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Millions of Americans are set to receive their Social Security benefits this month, with some eligible for up to $5,108. The Social Security Administration (SSA) continues to distribute payments on schedule, supporting over 70 million beneficiaries despite the ongoing federal government shutdown. Beneficiaries receive payments based on their birth month, with those born between the 1st and 10th receiving their checks on November 12, those born between the 11th and 20th receiving theirs on November 19, and those born between the 21st and 31st receiving theirs on November 26. Recipients are advised to allow three business days for their payment to arrive, as weekends and federal holidays are not included in the timeframe. The typical monthly Social Security retirement benefit is $2,006.69, but the amount received can vary depending on an individual's earnings and age. For those retiring at age 62, the maximum benefit is $2,831, while those retiring at age 67 can receive up to $4,018, and those deferring their claims until age 70 may receive as much as $5,108. Looking ahead, Social Security benefits are projected to rise by 2.8% in 2026 as part of the annual Cost-of-Living Adjustment (COLA), which aims to keep pace with inflation and meet fundamental needs like food, housing, and healthcare. The increased payments will take effect in January 2026 and apply to all SSA programs, including retirement, spousal, survivor, and Supplemental Security Income (SSI).