When Are January 2026 Social Security Payments Coming?
Summary
Social Security payments for January 2026 will include a cost-of-living adjustment (COLA) of 2.8 percent. Payments will be staggered throughout the month based on when recipients were born, with some payments, like SSI, arriving earlier due to holidays.Key Facts
- About 70 million Americans get Social Security benefits each month.
- The Social Security Administration (SSA) will stagger January 2026 payments across the month.
- A 2.8 percent COLA increase will apply, benefiting most recipients.
- SSI payments for January 2026 will be sent on December 31, 2025, because of the New Year's Day holiday.
- The average retiree will receive about $56 more per month because of the COLA.
- Payments are divided by birthdate, with different dates for SSI and certain recipients.
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