The Social Security Administration (SSA) is preparing major changes that could affect millions of Americans who rely on benefits. In May 2025, thousands of Social Security Disability Insurance (SSDI) recipients risk losing their payments, while early forecasts point to a smaller cost-of-living adjustment (COLA) for 2026.
Thousands of disability checks at risk in May 2025
The SSA recently confirmed that thousands of Americans could lose access to their SSDI benefits starting May 2025. The agency is conducting full eligibility reviews to ensure recipients meet medical and income requirements.
Beneficiaries who fail to respond to requests for updated documentation or who no longer meet criteria may have their payments suspended or terminated. Reviews are part of standard SSA procedures but come at a time when many depend heavily on these monthly checks.
Recipients at risk will typically receive multiple warnings by mail, followed by an official cessation notice if they do not take action. Appeals are available but must be filed quickly to avoid disruptions.
Social Security COLA outlook: 2026 increase likely smaller
Meanwhile, new forecasts suggest the 2026 COLA increase for Social Security benefits could be far lower than this year’s. Based on inflation trends through early 2025, analysts predict the next COLA adjustment could land between 2.4% and 2.6%.
By comparison, the 2025 COLA adjustment was 3.2%, itself a slowdown from the historic 8.7% jump seen in 2023.
The COLA is calculated using third-quarter Consumer Price Index (CPI-W) data. Lower inflation means smaller benefit boosts. This matters for all Social Security beneficiaries, including retirees, disabled workers, and Supplemental Security Income (SSI) recipients.
Final COLA figures will be announced in October 2025.
IMPORTANT INFORMATION – Social Security warns: Update to Login.gov or risk losing payments
What beneficiaries should do now
Those receiving disability benefits are urged to check their mail regularly, respond promptly to SSA requests, and update their contact information. Missing paperwork deadlines could result in a loss of benefits.
All Social Security recipients should also plan for a smaller COLA increase next year by reviewing their budgets and considering additional sources of financial assistance if needed.
For the latest updates or to track your case, visit ssa.gov.