October 2025 brings a calendar twist that lets select retirees see two government payments.
This happens because Supplemental Security Income (SSI) for November is paid early when the 1st falls on a weekend or holiday.
In 2025, November 1 lands on a Saturday, so the November SSI arrives on Friday, October 31. Combined with the regular October SSI (paid on October 1), many SSI recipients will see two SSI deposits in the same month.
If you also receive Social Security retirement benefits, you’ll still get your regular Social Security deposit in October on your assigned date—meaning two (SSI-only) or three (SSI + Social Security) total deposits may hit your account during the month.
Who Qualifies For The Double Month?
You’re likely to see two October payments if any of the following apply:
- You Receive SSI: Expect your regular October SSI on October 1 and your early November SSI on October 31.
- You Receive Both Social Security And SSI: You’ll get two SSI deposits (Oct 1 and Oct 31) plus your Social Security retirement deposit on your usual October date.
- You’re In The 3rd-Of-Month Group: If your Social Security is paid on the 3rd—typically because you started benefits before May 1997 or you get SSI and Social Security—you’ll receive that deposit on October 3.
Note: If you only receive Social Security (no SSI), you’ll still receive one October payment on your assigned Wednesday (or October 3 if you’re in the fixed group).
October 2025 Payment Calendar At A Glance
| Date | Program | Who Gets Paid | What To Expect |
|---|---|---|---|
| Wed, Oct 1 | SSI | All SSI recipients | Regular October SSI deposit |
| Fri, Oct 3 | Social Security | 3rd-of-month group (pre-May 1997; or SSI + Social Security) | Standard fixed-date payment |
| Wed, Oct 8 | Social Security | Birthdays 1st–10th | Second-Wednesday cycle |
| Wed, Oct 15 | Social Security | Birthdays 11th–20th | Third-Wednesday cycle |
| Wed, Oct 22 | Social Security | Birthdays 21st–31st | Fourth-Wednesday cycle |
| Fri, Oct 31 | SSI (Early For November) | All SSI recipients | November’s SSI paid early |
How Much Will You Receive?
- Social Security Retirement: You’ll get your normal monthly benefit based on your earnings history, claiming age, and the current COLA already in effect for 2025.
- SSI: You’ll receive your usual SSI amount on October 1 and again on October 31 (the early November payment). Actual SSI amounts vary by income, living arrangement, and state supplements.
Tips To Avoid Confusion And Overdrafts
- Track Your Deposits: Two SSI payments in October means no SSI deposit in November on the 1st—because it arrived early on Oct 31. Budget accordingly.
- Check Your Bank Posting Times: Financial institutions may post overnight or same-day, so verify expected availability.
- Use Account Alerts: Set balance and deposit notifications to confirm each payment hits your account.
- Review Benefits Letters: Your award letter and online account show your official amount and payment schedule.
Will October’s COLA Announcement Change October Payments?
Each year, the next year’s COLA is typically announced in mid-October, but it does not change your October payments.
Any new COLA applies starting with January benefits. Keep an eye on official updates, but know your October schedule remains as listed above.
FAQs
Why Did I Get Two Deposits In October?
If you receive SSI, you’ll see two SSI payments (Oct 1 and Oct 31) because November’s SSI arrives early when the 1st is a weekend/holiday. If you also get Social Security, you’ll receive your regular Social Security payment on your usual October date as well.
I Only Receive Social Security—Do I Get Two Payments?
No. Social Security-only beneficiaries receive one October deposit on their assigned date (Oct 3 for the 3rd-of-month group, or Oct 8/15/22 based on the birth-date schedule).
Will I Still Get An SSI Payment On November 1?
No. Your November SSI arrives early on October 31, so there won’t be an additional SSI deposit on November 1.