The last Social Security deposit of November 2025 is set to arrive this week, delivering payments of up to $5,108 for eligible retirees. This final round closes out a month-long distribution cycle that follows the Social Security Administration’s standard birth-date-based payment calendar.
November’s Final Payment Date
The last November payout will be issued on Wednesday, November 26, and is reserved for beneficiaries born between the 21st and the end of the month. This group traditionally receives its payment in the fourth week of each month — a staggered distribution method used by the SSA since 1997.
Social Security Payments Already Sent Earlier in November
November 2025 payments have been released gradually as follows:
• November 3 – For beneficiaries who started receiving Social Security before May 1997, including people who receive both Social Security and SSI
• November 12 – For beneficiaries with birthdays between the 1st and 10th
• November 19 – For beneficiaries with birthdays between the 11th and 20th
• November 26 – Final group, born from the 21st to the 31st
This structure ensures a predictable and manageable distribution of retirement, disability and survivor benefits.
Maximum Social Security Amounts Ahead of the New COLA
November marks the next-to-last month using the 2025 COLA, which set a 2.5% increase at the start of the year. All payments through December include this adjustment. Beginning in January 2026, the new 2.8% COLA will apply.
Key maximum figures for 2025 include:
• $4,018 per month for someone claiming at full retirement age (67 in 2025)
• Up to $5,108 per month for beneficiaries claiming at age 70 with maximum earnings history
To reach these top-tier benefits, a worker must have:
• At least 35 years of work history
• Annual earnings at or above the maximum taxable income for each of those years
• For 2025, the maximum taxable income is $176,100
Average Benefit Amounts for 2025
Most beneficiaries receive amounts far below the upper limits. After applying the 2025 COLA, average payments reflect the following estimates:
• Single retirees – From $1,927 to $1,976
• Retired couples – From $3,014 to $3,089
• Workers with disabilities – From $1,503 to $1,539
• Survivor benefits (widowed parents with children) – From $1,867 to $1,911
• Elderly widows or widowers – From $1,796 to $1,840
These averages illustrate the broad range of benefit amounts that reflect individual lifetime earnings, work history and the timing of retirement.
