Some Supplemental Security Income (SSI) recipients will see two deposits in October 2025. This is not bonus money.
It happens because SSI is normally paid on the 1st of each month, and when the 1st falls on a weekend or federal holiday, the payment arrives on the previous business day.
In 2025, November 1 falls on a Saturday, so November’s SSI is paid early on Friday, October 31. You’ll also receive your regular October SSI on Wednesday, October 1.
Why Does Social Security Pay Early?
The Social Security Administration (SSA) uses a simple rule for SSI: pay on the 1st, or shift earlier if the 1st is a Saturday, Sunday, or holiday.
This timing quirk creates the occasional “double month,” where two SSI payments land in the same calendar month even though one of them is next month’s benefit arriving early.
Key Dates And What They Mean
- Wednesday, October 1, 2025: Regular October SSI payment
- Friday, October 31, 2025: Early November SSI payment (since Nov 1 is a Saturday)
- Monday, December 1, 2025: Regular December SSI payment
- Wednesday, December 31, 2025: Early January 2026 SSI payment (since Jan 1 is a holiday)
Who Sees Two Deposits?
Only people who receive SSI are affected by this 1st-of-the-month rule.
Social Security retirement, survivors, and SSDI benefits follow a different Wednesday schedule (or the 3rd for some long-time beneficiaries), so their timing does not create an October “double.”
Simple October 2025 SSI Calendar
| Date | Payment Type | Covers Which Month? | What To Remember |
|---|---|---|---|
| Oct 1, 2025 (Wed) | Regular SSI | October 2025 | Your usual monthly SSI amount |
| Oct 31, 2025 (Fri) | Early SSI | November 2025 | Not extra money; it’s November’s benefit paid early |
Note: Amounts vary by person based on the federal benefit rate (FBR), state supplements, countable income, and living arrangement. The Oct 31 deposit is simply your regular November SSI paid early.
How Much Will You Get?
You will receive your normal SSI amount—the same monthly amount you usually get. The “double” effect is only about timing, not about an increased benefit.
If your state adds a state supplement, or if your income changes, your exact deposit can differ from someone else’s.
Budget Tips For The Early November Payment
- Treat Oct 31 as November’s money. Plan bills so that this early deposit carries you through November.
- Avoid overspending in late October. Two deposits in one month can tempt extra spending; remember there’s no additional SSI deposit in November.
- Mark your calendar. After Oct 31, your next SSI dates are Dec 1 and then Dec 31 (for January 2026, paid early).
The October “double” SSI payment happens because November 1, 2025 falls on a Saturday, triggering an early deposit on Oct 31.
You’ll receive October’s SSI on Oct 1 and November’s SSI early on Oct 31—not extra money, just the standard benefit arriving sooner.
Understanding this SSA timing rule helps you budget better, avoid surprises in November, and plan confidently for the December and year-end schedule.
FAQs
Is The Second October Deposit A Bonus?
No. The Oct 31 deposit is November’s SSI arriving early because Nov 1 is a Saturday.
Will My Amount Increase Because There Are Two Deposits?
No. You receive your usual SSI amount twice in October because one of them is November’s payment paid early.
I Also Get Social Security Retirement—Do I Get Two Of Those Too?
No. Only SSI follows the 1st-of-the-month rule that causes a “double” month. Retirement/SSDI payments use a Wednesday schedule (or the 3rd for some), so they don’t create a double in October.