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Misty Severi, Breaking News Reporter


NextImg:Social Security update: Second round of direct payments worth up to $4,555 arrives in six days

Millions of retired seniors will receive the second round of November's Social Security payments, worth up to $4,555 for people who delay retirement until they are 70, in just under one week.

Retirees who were born between the 11th and 20th of their birth month will receive the next wave of retirement payments in six days, on Nov. 15. People born on or after the 21st of a month will receive their monthly check on Nov. 22. Beneficiaries born between the first and 10th of the month already received theirs on Wednesday.

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The Social Security Administration sends out payments in three disbursements that go out on the second, third, and fourth Wednesdays of each month, but each recipient just gets one check.

The maximum amount of each Social Security payment varies based on the age at which an individual retires, and the actual amount of the payment itself depends on other factors. For example, those who retire at 62, the youngest age to possibly receive payments, can get up to $2,572 per month, while those retiring at 70 can receive up to $4,555 per month, according to the Social Security Administration. Those who retire at the full age of retirement, 67, can see a maximum check of up to $3,627 per month.

Beneficiaries can see a personalized estimate of what they can expect each month through the SSA's calculator.

Regular retirement checks are different from other payments given out by the SSA, such as disability insurance or Supplemental Security Income. Those checks are distributed on a different schedule.

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Payments will rise by 3.2% next year as part of the program's annual adjustments based on inflation, according to the SSA. The increase will be the same percentage for all payments sent out by the administration, including retirement and disability pay.

The more distant future of Social Security is unclear due to the risk of insolvency as early as 2034. Analysts predict insolvency will occur unless important action is taken by Congress to prevent it. Any change that does take place for the program would not affect those who are already on Social Security.