社保局11月付款日程：首批11月3日到账，一组领取人因退伍军人节提前一天
根据美国社会保障管理局（SSA）的2026年付款日历，11月社保金分四批发放，日期为11月3日、11月10日、11月18日和11月25日，第一批本周二到账。
具体安排按领取人分组。1997年5月之前开始领取社保金的人，以及同时领取社保金和补充保障收入（SSI）的人，11月款项11月3日发放。按出生日期分组的领取人中，生日在每月1日至10日的，11月10日发放；生日在11日至20日的，11月18日发放；生日在21日至31日的，11月25日发放。配偶或遗属福利的付款日，按其所依据的那位工薪者的生日计算。
其中，1日至10日这一组原定在当月第二个星期三付款，今年的第二个星期三是11月11日退伍军人节，属联邦假日，银行和联邦储备系统休息，SSA按惯例把这笔款项提前一个工作日，在11月10日星期二发放。这只是同一笔11月福利提前到账，并非额外加发。
SSI领取人11月内不会有存款到账：因11月1日是星期日，11月的SSI已提前在10月30日星期五发放。12月的SSI将于12月1日发放，2027年1月的SSI则提前在12月31日发放。
另外，2027年3.6%的生活费调整（COLA）不计入11月款项，将首先体现在2027年1月发放的社保金中；个人化的调整通知将于11月下旬起可在个人社保账户中查看。SSA提醒，款项未按时到账时，应先多等三个邮寄日再联系查询，并认准社保局官方渠道办理业务，社保局不会要求以礼品卡等方式付款。
（来源：美国社会保障管理局）
Social Security's November Payment Schedule: First Payments Arrive Nov. 3, One Group Paid a Day Early for Veterans Day
Under the Social Security Administration's (SSA) 2026 payment calendar, November benefits go out in four rounds, on November 3, 10, 18 and 25, with the first round arriving this Tuesday.
The schedule depends on the beneficiary group. People who began receiving Social Security before May 1997, and those who receive both Social Security and Supplemental Security Income (SSI), are paid on November 3. Among beneficiaries paid by birth date, those born on the 1st through the 10th of the month are paid on November 10; those born on the 11th through the 20th on November 18; and those born on the 21st through the 31st on November 25. Spousal and survivor benefits follow the birth date of the worker on whose record the benefit is paid.
The November 10 date comes a day earlier than the usual second-Wednesday slot because the second Wednesday this year, November 11, is Veterans Day, a federal holiday when banks and the Federal Reserve are closed; as usual, the SSA moved the payment to the preceding business day. It is the regular November benefit arriving one day early, not an extra payment.
SSI recipients will see no deposit during November itself: because November 1 fell on a Sunday, November's SSI payment was issued early, on Friday, October 30. December's SSI payment is due December 1, and the January 2027 payment arrives early, on December 31.
The 3.6 percent cost-of-living adjustment (COLA) for 2027 is not included in November payments; it first appears in benefits paid in January 2027, and personalized COLA notices become viewable in my Social Security accounts starting in late November. The SSA advises beneficiaries whose payment does not arrive on schedule to wait three additional mailing days before reporting it, and to use only official SSA channels, noting that the agency never demands payment by gift card or similar means.
(Source: U.S. Social Security Administration)
来源：美国社会保障管理局
发布：GSM·美国（发布链接）
图片来源：图：美国社会保障管理局总部大楼（资料图）。 / Photo: The headquarters building of the U.S. Social Security Administration (file photo).
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