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December’s SSI Payments: Why Two Checks Will Be Issued This Month?

December’s SSI Payments: Why Two Checks Will Be Issued This Month?

Sandy Staggs

Every month, Social Security Income (SSI) recipients in the U.S. receive payments to help with their living expenses. Normally, payments follow a set schedule. However, in some months, the calendar can lead to unique situations where beneficiaries receive more than one payment. December 2024 is one such month.

In December, SSI recipients will receive two checks. This is due to a mix of calendar adjustments and the 2025 Cost-of-Living Adjustment (COLA). The COLA is a 2.5% increase to SSI payments that starts in January 2025, designed to help people keep up with inflation.

Here’s how the double payment works:

When Will the Two Checks Arrive?

1. November’s Check (Paid Early in December):

  • The first payment is officially for December, but it will be sent out on November 29, 2024. If you don’t use Direct Deposit, you’ll get it by mail in early December.

2. January’s Check (Paid Early in December):

  • The second check, which includes the 2025 COLA increase, will arrive on December 31, 2024. Those with Direct Deposit will receive it instantly, while others may see delays due to mailing times.
  • Even if you don’t switch to Direct Deposit, you’ll still get both checks—just on slightly different dates.

What Is COLA and How Does It Affect SSI?

December’s SSI Payments: Why Two Checks Will Be Issued This Month?

The Cost-of-Living Adjustment (COLA) ensures SSI payments match inflation. It’s calculated using the Consumer Price Index (CPI), which tracks the prices of goods and services.

For 2025, the COLA is 2.5%, meaning an increase in monthly SSI payments:

  • Single Individuals: Payments will rise from $943 to $967.
  • Couples: Payments will increase from $1,415 to $1,450.
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While the increase might seem small, it helps cover essential needs like rent, food, and healthcare. Without COLA, the value of SSI benefits would shrink over time due to rising costs.

Maximizing Your Benefits

To make the most of these payments:

  • Activate Direct Deposit: This ensures faster access to your money.
  • Plan Your Budget: With two checks arriving in December, it’s a good time to plan for the new year.

SSI and COLA changes provide crucial support for millions of Americans. December’s double payments offer a helpful boost, especially with the cost-of-living adjustments for 2025. Make sure to stay informed and take advantage of these benefits.

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