Social Security Pays Early on November 10. Then Watch for This Letter (Former SSA Claims Rep)

Social Security pays early this month: if you're usually paid on the second Wednesday, your November money lands Tuesday, November 10, because November 11 is Veterans Day. That's the whole reason, and you don't have to do anything about it. I'm Doris Graves, 31 years a claims representative at the Social Security field office in Toledo, Ohio. In this one: every November 2026 pay date (and why SSI already came October 30), the 3.6% raise for 2027 in real dollars per check, what's left after the projected Part B premium and the hold-harmless rule, Medicare open enrollment (October 15 to December 7), the 2027 earnings limits if you're still working, and the two letters that can look almost the same in your mailbox: the real overpayment notice, and the fake one. Tell me below what state you're in. I read the comments. CHAPTERS 0:00 The early payment 1:08 Why Nov 10 2:25 The raise in dollars 4:03 What is left after Part B 5:22 What you never had to do 6:48 Open enrollment 8:27 How to handle it 9:54 Still working 11:33 The two letters 14:06 Your list General information about published Social Security and Medicare rules, not legal or financial advice about your own record. For your own file, call Social Security at 1-800-772-1213 or visit your local field office; free Medicare counseling is available through your state SHIP (shiphelp.org). Report scams to oig.ssa.gov. Sources: SSA 2027 COLA fact sheet (Oct 14, 2026), SSA 2026 payment schedule, SSA EM-25029 REV (overpayment withholding), 20 CFR 404.909 and 404.506-512, Medicare.gov, SSA OIG scam guidance.