Only Supplemental Security Income recipients are scheduled for a payment on Friday, Oct. 31, 2025, because November’s SSI benefit is moved to the prior business day when the 1st falls on a weekend, and there is no bonus or extra check involved in this early deposit.
If you’ve been wondering who actually gets paid on Friday, Oct. 31, the answer is SSI recipients whose November payment is advanced because Nov. 1 lands on a Saturday this year, which triggers Social Security’s weekend-adjustment rule for SSI only. This creates a “two deposits in October” effect Oct. 1 for October’s SSI and Oct. 31 for November’s SSI but it is not extra money, and there will be no SSI on Nov. 1 as a result of the advancement.
Table of Contents
Social Security Payments on Friday
| Item | Details |
|---|---|
| Who Gets Paid on Fri, Oct. 31 | SSI recipients receiving November’s benefit early due to Nov. 1 falling on a Saturday |
| Is It a Bonus? | No this is November’s SSI paid early; there will be no SSI paid on Nov. 1 |
| Other Benefits on Oct. 31 | Retirement/SSDI/survivor benefits do not pay on Oct. 31; they follow Wednesday-by-birthday or the 3rd rule |
| October 2025 Cadence | SSI on Oct. 1 (October) and Oct. 31 (November advanced) |
| Paperless Changes | SSA emphasizes direct deposit/Direct Express as paper checks phase out |
| 2026 COLA | Benefits rise 2.8% in 2026; SSI increase appears with the Dec. 31, 2025 payment for January’s cycle |
Who’s Receiving a Check on Friday, Oct. 31?
The Friday, Oct. 31 deposit applies to Supplemental Security Income recipients, because SSI normally pays on the 1st but shifts to the prior business day when that date is a weekend or holiday, making Oct. 31 the date for November’s benefit in 2025. People who only receive Social Security retirement, SSDI, or survivor benefits are not paid on Oct. 31 and instead follow the second, third, or fourth Wednesday cycle based on birthdate, or the 3rd if entitled before May 1997.
What This Means for Budgeting
If you receive SSI, two deposits show up in October—Oct. 1 and Oct. 31 but the second is simply November’s payment arriving early, so plan to stretch that Oct. 31 deposit through the entire month of November with no additional SSI hitting on Nov. 1. Consider aligning rent, utilities, and groceries against the earlier cash flow and keep a small buffer for the last week of November to avoid shortfalls before the December cycle resumes.
October Payment Schedule at a Glance
- SSI: Paid on Oct. 1 for October and on Oct. 31 for November due to weekend timing on Nov. 1.
- Social Security Retirement/SSDI/Survivor: If first entitled before May 1997, paid on Oct. 3; otherwise paid on the second, third, or fourth Wednesday based on birthdate ranges 1–10, 11–20, and 21–31.
- No general Social Security payment is scheduled for Oct. 31 outside of SSI’s advanced November benefit.
Eligibility Criteria for the Oct. 31 SSI Payment
To be eligible for the Oct. 31 deposit, you must be an SSI beneficiary due a regular November payment, which is then advanced to the prior business day under SSA’s calendar rules when the 1st falls on a weekend. Individuals who receive both SSI and Social Security will see the SSI portion on Oct. 31 while their Social Security benefit still follows the standard October dates (3rd or Wednesday-by-birthday), not Oct. 31.
Delivery Method and Paperless Transition
Most beneficiaries are expected to receive funds via direct deposit to a bank account or on the Direct Express card as part of the agency’s paperless transition, which reduces delays and check loss risks. If a payment is missing, allow a few days, verify bank details, and then contact the agency or your financial institution for resolution.
What to Know About Amounts and COLA
SSI federal base amounts in 2025 align with the published monthly maximums, and the cost-of-living adjustment for 2026 is set at 2.8%. That increase will lift Social Security benefits beginning with January payments, while SSI reflects the increase in the Dec. 31, 2025 disbursement for the January cycle.
What To Do Next
- Confirm your benefit type in your My Social Security account to verify whether the Oct. 31 date applies to you.
- If you rely on SSI, budget the Oct. 31 deposit for all of November because there will be no SSI on Nov. 1 due to the date shift.
If your benefit is SSI, the Friday, Oct. 31 deposit is simply November’s payment arriving early because the 1st falls on a weekend; it is not a bonus, and there will be no separate SSI on Nov. 1. Plan your November budget around that Oct. 31 deposit, and remember that retirement, SSDI, and survivor benefits keep their usual 3rd-of-the-month or Wednesday-by-birthday schedule, not Oct. 31.
IRS Stimulus Checks and Social Security Payments: What the 2025 Shift to Digital Means for You
FAQs on Social Security Payments on Friday
Is Oct. 31 a Bonus SSI Check?
No. It’s November’s SSI paid early because Nov. 1 falls on a Saturday, so there’s no separate SSI on Nov. 1.
Who Gets Paid on Friday, Oct. 31?
SSI recipients only; other Social Security benefits keep their standard October dates and do not pay on Oct. 31.
I Get Both SSI and Social Security—What Happens?
You’ll see your SSI for November on Oct. 31, while the Social Security payment follows the usual October schedule (3rd or a Wednesday).
How Are Social Security Payment Dates Decided?
Birthdate determines Wednesday payments for most beneficiaries, while those first entitled before May 1997 are paid on the 3rd of the month.
Will Everyone on Social Security Get Paid on Oct. 31?
No. Only SSI recipients get the Oct. 31 deposit because November’s payment is moved forward when the 1st falls on a weekend. Retirement, SSDI, and survivor benefits follow their usual 3rd-of-the-month or Wednesday-by-birthday schedule.
What If I Receive Both SSI and Social Security?
You’ll see your SSI on Oct. 31 for November, but your Social Security benefit still arrives on its normal October date (either the 3rd or a Wednesday based on your birthdate). You won’t get a second Social Security payment on Oct. 31.
