Don't worry about this if you're receiving Social Security, the situation isn't unusual. If you keep an eye on the Social Security Administration payment schedule, you may already have it under control.

Through a calendar twist, those Social Security recipients who also receive Supplemental Security Income (SSI) will receive three checks in November: two SSI payments in addition to their monthly Social Security check, a government-issued retirement income for those 62 and older.

However, SSI recipients will not receive a check in the following month of December. SSI recipients faced the same situation in August when they received two checks and no SSI check in September.

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Why do SSI recipients receive two checks in November?

The calendar oddity happens in November because Supplemental Security Income (SSI) benefits — additional payments over and above Social Security for people with little or no income and very limited resources — are available on the first business day of each month.