If you receive Supplemental Security Income (SSI), October 2025 is a double-deposit month. This does not mean extra money overall—it’s a timing shift.
Because November 1, 2025 falls on a Saturday, the November SSI payment is issued early, on Friday, October 31.
You’ll also get your regular October SSI on Wednesday, October 1. Result: two deposits in October, but no SSI hits on November 1.
Who Gets Paid and When (October 2025)
- SSI recipients:
- October benefit: Wednesday, October 1, 2025
- Early November benefit: Friday, October 31, 2025
- Social Security (not SSI) for reference only:
- Friday, October 3, 2025 — if you started before May 1997 or also receive SSI
- Wednesday, October 8, 2025 — birthdays 1–10
- Wednesday, October 15, 2025 — birthdays 11–20
- Wednesday, October 22, 2025 — birthdays 21–31
Tip: If your household gets both Social Security and SSI, you could see three October deposits (your Social Security date plus Oct 1 and Oct 31 for SSI).
How Much Will You Receive?
In 2025, the federal SSI maximums (FBR) are: $967 for an individual, $1,450 for an eligible couple, and $484 for an essential person.
Your actual payment can be lower based on countable income, living arrangement, or in-kind support (for example, someone pays part of your food or rent).
Some states add state supplements, which can increase your total above the federal baseline.
Quick-Look- October 2025 Payments
| Program / Group | Date | What It Covers | 2025 Max Federal Amount | Key Note |
|---|---|---|---|---|
| SSI | Wed, Oct 1 | October SSI | $967 individual, $1,450 couple, $484 essential person | Regular monthly SSI (state supplements may apply) |
| SSI (Early) | Fri, Oct 31 | November SSI paid early | Same as above | No SSI on Nov 1 due to weekend |
| Social Security (pre-May 1997 or concurrent SSI) | Fri, Oct 3 | OASDI/SSDI | Varies by record | Not SSI; listed for mixed-benefit households |
| Social Security (birth 1–10) | Wed, Oct 8 | OASDI/SSDI | Varies | Standard schedule |
| Social Security (birth 11–20) | Wed, Oct 15 | OASDI/SSDI | Varies | Standard schedule |
| Social Security (birth 21–31) | Wed, Oct 22 | OASDI/SSDI | Varies | Standard schedule |
Why Your Amount Might Differ
- Overpayment recovery: If SSA is recouping an overpayment, part of your check can be withheld. For SSI, recovery is typically a percentage of the FBR unless you arrange something different. You can request a waiver, appeal, or new repayment plan if the withholding causes hardship.
- State supplements: Moving states or a change in living arrangement can adjust your state add-on mid-year.
- Income changes: Wages, pensions, or in-kind support can lower SSI for the following month(s).
If Your Deposit Doesn’t Show Up
For direct deposit or Direct Express, funds usually post on the date listed. If they don’t, allow a short mailing-day window and then contact your bank/card issuer or SSA. For paper checks, delivery depends on local postal timing; consider direct deposit to avoid delays.
Smart Budgeting for the Double Month
- Plan for November: The Oct 31 deposit is your November SSI—budget so it lasts until your next SSI in December.
- Track two deposits: Many people mistakenly spend both October deposits as “extra.” Mark the second one as November in your budget app.
- Keep notices: Save any SSA letters about overpayments or changes; they explain why your amount differs and your appeal options.
FAQs
Do I get extra money because there are two SSI payments in October?
No. You’re receiving November’s SSI early on Oct 31. The annual total is unchanged; only the timing shifts.
What are the maximum SSI amounts for 2025?
The federal maximums are $967 (individual), $1,450 (couple), and $484 (essential person). State supplements may raise your total, while income and living arrangement can reduce it.
My October SSI is smaller—why?
Common reasons include overpayment recovery, income changes, or living-arrangement updates. Review recent SSA notices and ask about waivers or repayment plans if the withholding creates hardship.