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Maximizing Social Security Benefits in December: Who Can Receive 3 Checks?



Maximizing Social Security Benefits in December: Who Can Receive 3 Checks?

Maximizing Social Security Benefits in December: Who Can Receive 3 Checks. In a rare occurrence, certain Social Security beneficiaries in the United States are poised to receive more than the usual two payments in the month of December.

The Social Security Administration has confirmed a total of 6 payments, distributed on December 1, 13, 20, 27, and 29. In this article, we’ll explore who qualifies for each payment and delve into the unique circumstances that enable some individuals to collect three Social Security checks in December.

Maximizing Social Security Benefits in December: Who Can Receive 3 Checks?

Understanding the Payment Schedule

On December 1, two groups of beneficiaries will receive their payments. Supplemental Security Income (SSI) beneficiaries and those on Social Security before May 1997 fall into these categories, receiving their checks on the 1st rather than the 3rd.

Who Can Receive 3 Social Security Checks?

If you’re a recipient of Supplemental Security Income (SSI) and also receive Social Security retirement or SSDI payments, you’re eligible to collect three payments in December. SSI serves as a supplement to retirement or disability benefits, providing additional support when monthly income is insufficient. Beneficiaries in this category receive their SSI payment on the 1st and retirement or SSDI on the 3rd, but due to weekend circumstances, the third check arrives on December 29, effectively covering their January 1 payment.

Payment Amounts

The amounts for these three payments differ based on the type of benefit. SSI recipients can receive up to $914 on December 1, while those receiving retirement benefits can expect an average of $1,848 on the same day. SSDI beneficiaries may receive about $1,489. Notably, the December 29 SSI payment comes with a 3.2% increase, allowing recipients to collect up to $943. Eligible couples can receive up to $1,415, with essential persons seeing an increase to $472 from $458.

2024 COLA Increase

It’s important to note that not all Social Security payments will receive their 2024 Cost of Living Adjustment (COLA) boost on the same day. While SSI recipients benefit from the increase on December 29, those on retirement or SSDI will see their boost on January 3, 10, 17, and 24. For individuals not receiving SSI, with low retirement or SSDI payments, exploring SSI benefits is recommended, given its potential advantages and additional perks.


Understanding the intricacies of Social Security payments in December can help eligible individuals maximize their financial support during the holiday season. By identifying the criteria for receiving three checks and being aware of the varying payment amounts and COLA increases, beneficiaries can navigate the system more effectively to meet their financial needs.

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