Millions set to receive up to $5,100 in Social Security this November—even after the shutdown

If you’ve been watching the news and worrying whether your November Social Security check might be delayed, especially with all the talk about a government shutdown, there’s good reason to take a deep breath and stay calm

Despite the political back-and-forth, Social Security remains intact, and the payments are being distributed as scheduled. Some retirees could even see checks as high as $5,100 this month, boosted by the latest cost-of-living adjustment (COLA).

Social Security: Still running strong despite the shutdown​

Social Security is considered a “mandatory” program, which means it continues to operate even when other parts of the government are shut down. Despite the recent government shutdown, the Social Security Administration (SSA) continues to send out checks on schedule. That’s a relief for the 74 million Americans who rely on these monthly payments to help cover everything from groceries to medical bills.

How much could you receive this month?​

This November, the maximum Social Security benefit is up to $5,100 for those who qualify, typically high earners who delayed claiming until full retirement age or later. The average check, though, is around $2,071. The recent 2.8% COLA boost means a little extra in your pocket, about $56 more per month for the average recipient. It’s not a windfall, but every bit helps, especially as prices continue to rise.

When will your payment arrive​

Social Security payments don’t all go out on the same day. The date you receive your check depends on several factors, including your birth date and the date you first started receiving benefits. Here’s the November schedule:

November 3: If you started receiving Social Security before May 1997, your payment arrives now. This date also applies to some double SSI recipients.

November 12: If your birthday falls between the 1st and 10th of any month, your check is coming on this date.

November 19: Birthdays between the 11th and 20th? Mark your calendar for this day.

November 26: If you were born between the 21st and 31st, your payment lands just in time for Thanksgiving leftovers.

Also read: SNAP pause in November: Where to turn for extra food help

Looking ahead to December and early 2026​

The same pattern repeats in December, with SSI payments on the 1st (since it’s a weekday), pre-May 1997 Social Security on the 3rd, and standard Social Security on the 10th, 17th, and 24th. And here’s a pro tip: SSI recipients will get their January 2026 payment early, on December 31, because New Year’s Day is a federal holiday.

What’s new for 2026: COLA, taxes, and income rules​

The COLA for 2026 is set at 2.8%, a bit higher than last year’s 2.5% but still below the 10-year average of 3.1%. While it’s a welcome increase, it’s essential to remember that rising costs can erode those gains. And there are a few other changes to keep on your radar:

Taxable Earnings Cap:

The maximum amount of earnings subject to Social Security taxes jumps from $176,100 to $184,500 in January. If you’re still working and earning above that threshold, you’ll see a bit more taken out for Social Security.

Work Income Limits:

If you haven’t reached full retirement age (FRA)—which is 67 for those born in 1960 or later—there are limits to how much you can earn while collecting benefits before your payments are reduced. In 2026, the limit for those not reaching FRA during the year rises to $24,360 (up from $23,400). For those reaching FRA in 2026, the limit increases to $64,800 (up from $62,160). That means you can earn a little more before your benefits are affected.

Full Retirement Age Perks:

Once you hit FRA, you can work as much as you want without any reduction in your Social Security benefits. That’s a significant incentive for those who want to stay busy (and continue earning) in their golden years.

Also read: The overlooked Social Security benefit that could help your family today

The return of paper checks​

In September, the SSA made headlines with a controversial decision to bring back paper checks for some recipients. While most people now receive their payments via direct deposit (which is faster and more secure), a small number of individuals will still see those familiar envelopes in their mailboxes. If you’re one of them, keep an eye out—and consider switching to direct deposit if you want to avoid mail delays.

November payment schedule at a glance

• November 3: Pre-May 1997 retirees and double SSI recipients
• November 12: Birthdays 1–10
• November 19: Birthdays 11–20
• November 26: Birthdays 21–31

Read next:

• Big Social Security changes are coming in 2026—here’s what to know now
• Lawmakers push new bill to keep SNAP payments flowing through November
• As shutdown continues, key deadlines approach for healthcare and travel

Key Takeaways

• Americans will still receive their November Social Security payments (up to $5,100), despite the ongoing government shutdown, with the payment schedule remaining unchanged.
• The Cost-of-Living Adjustment (COLA) for Social Security benefits has been set at 2.8% for the 2026 tax year, slightly higher than the previous year. Other related changes to tax thresholds and work income limits also take effect.
• The timing of Social Security and Supplemental Security Income (SSI) payments depends on the recipient’s birth date and the type of benefit they receive, with payments spread across several dates in November and December to accommodate different groups.
• Those who have reached full retirement age can continue working without affecting their Social Security payments, but anyone under retirement age may see reductions if their earnings exceed the new, higher income thresholds in effect as of 2026.

Are you seeing the effects of the COLA increase in your monthly budget? Have you had any issues with payment dates or the switch back to paper checks? Do you have tips for making the most of your Social Security income?