Confused about Medicare QI payment dates - getting two SS payments in December?
Just had Medicare QI approved (the program that covers my Medicare Part B premium) and now I'm confused about my payment schedule. Got a letter from Social Security saying that starting with my November payment, I'll now be paid on the 3rd of each month (so December 3rd). But here's what's weird - my October payment is still scheduled for November 27th according to my MySocialSecurity account. When I called SSA (after waiting 2+ hours!), the rep told me I would get BOTH the November 27th payment AND the December 3rd payment. This doesn't make sense to me - that's two payments less than a week apart? Is the rep right or confused? Has anyone else had their payment dates change after qualifying for QI benefits? I'm worried I might get overpaid and then have to deal with repayment headaches later.
17 comments
Emma Anderson
You're lucky you even got through to SSA! But yes, this actually sounds right based on what happened to my mother last year. When her payment date changed, she got a payment on the old schedule and then another one on the new schedule. The rep explained it was because they're transitioning you to the new payment cycle and the payments cover different periods. Just keep track of both deposits so you have the records.
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Javier Morales
•Thanks for sharing about your mom's experience! That makes me feel better, but I'm still nervous about it. Did she have any issues afterwards? Like did they ever come back and say there was a mistake?
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Malik Thompson
The SSA representative is correct. When payment dates change due to program adjustments like QI approval, there's often a transitional period where you receive payments under both the old and new schedules. This isn't an overpayment - it's just the system adjusting. The 11/27 payment represents your October benefit paid under the old schedule. The 12/3 payment represents your November benefit paid under the new schedule. After this transition month, you'll just receive payments on the 3rd going forward. Keep documentation of the notification letter in case there are any questions later.
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Isabella Ferreira
•this happened to me to, except they DIDNT tell me and i spent the money then they said i owed them $1100!!! the ssa is such a mess always keep records of EVERYTHING
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CosmicVoyager
Wait im confused... QI pays for Part B but doesnt that go straight to Medicare not to you? Why would QI change when your SS payments come?
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Malik Thompson
•Good question. The Medicare Savings Programs (including QI) can affect payment dates because they change how your benefits are processed. When you qualify for QI, Social Security needs to adjust how they handle your Part B premium since it's now being paid by the state instead of being deducted from your Social Security payment. This administrative change sometimes results in a payment cycle adjustment.
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Ravi Kapoor
This EXACT thing happened to me last year! I was so confused!!!! I got approved for QI and suddenly all my payment dates changed. I actually DID get both payments just like the rep told you - one on my old date and then another one a few days later on the new date. I was freaking out thinking they made a mistake and I'd have to pay it back, but they never said anything. Been on the new schedule ever since with no problems. My advice - WRITE DOWN the name of the rep you talked to and the date/time. I always do this now because one time I got conflicting info and when I called back they claimed there was no record of my first call!!!!
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Javier Morales
•Oh my gosh, that's so reassuring to hear! I'll definitely write down the rep's name - that's smart. I didn't think to do that. Did you notice your benefit amount change at all after QI kicked in? I'm supposed to see an increase since they're not taking out the Part B premium anymore.
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Freya Nielsen
I've worked with many clients who've experienced similar payment date changes after qualifying for Medicare Savings Programs like QI. Here's what's happening: 1. Your October benefit (paid 11/27) is still on your old schedule 2. Your November benefit (paid 12/3) starts your new schedule 3. This one-time overlap during transition month is normal 4. Future payments will only come on the 3rd of each month The change in payment date is related to how QI benefits are administered. Since the state is now paying your Part B premium through the QI program, SSA adjusts your payment cycle to coordinate with their administrative systems. This isn't an error, and you won't need to repay anything as long as you were legitimately approved for QI.
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CosmicVoyager
•ok that makes way more sense thank u for explaining!!
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Omar Mahmoud
If you're still worried, try using Claimyr to get through to an SSA agent faster. I used to wait 3+ hours on hold but with Claimyr I got through in 15 minutes. They have agents call you when they reach a Social Security rep. I was skeptical but it actually worked - you can see how it works in their video demo at https://youtu.be/Z-BRbJw3puU. Helped me resolve a similar payment date issue when I started getting Extra Help for my Medicare.
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Javier Morales
•I've never heard of that service before. I'll check out the video - waiting on hold for hours is the worst part of dealing with Social Security!
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Isabella Ferreira
DONT TRUST WHAT SSA TELLS YOU!!! I had something similar and the first rep said id get both payments then when i spent the $$ another rep said the first one was WRONG and i had to pay back!! The left hand doesnt know what the right is doing over there!!!!
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Freya Nielsen
•I understand your frustration, but this situation with payment date changes due to QI approval is actually a standard procedure. What likely happened in your case was a different issue - perhaps you received an actual overpayment rather than a scheduled payment date change. The key difference here is that the OP received an official letter documenting the payment date change, which provides protection if questions arise later.
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Emma Anderson
The one thing to watch for is that your benefit amount should increase once QI starts paying your Part B premium. Currently, your Part B premium (about $174 in 2025) is probably being deducted from your Social Security payment. Once QI takes over paying that premium, you should see your monthly Social Security payment increase by that amount. Make sure both payments reflect this change!
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Javier Morales
•Thank you! Yes, I'm supposed to see that increase. The letter mentioned my benefit would go up by $174.70 which matches the 2025 Part B premium amount. I'll double-check both deposits to make sure that increase is there.
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CosmicVoyager
my sister got QI last yr and she got 2 payments in december just like theyre telling you! its normal
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