Millions of Americans will receive their first Social Security payment of 2026 in the coming weeks—along with the first benefit increase tied to the new cost-of-living adjustment (COLA).
More than 70 million people receive Social Security benefits every month through retirement, disability, and survivor programs. Because of the program’s size, the Social Security Administration (SSA) spreads payments across the month based on individual circumstances and birthdates.
January also marks the rollout of the 2.8% COLA increase, which boosts monthly benefits beginning in January 2026 for most recipients.
Why January’s Social Security Payment Schedule Matters
Social Security is a core source of income for older adults, workers with disabilities, and families receiving survivor benefits. Even small shifts in payment dates can affect budgeting—especially at the start of a new year.
The SSA uses multiple payment schedules depending on when a beneficiary first enrolled and whether they also receive Supplemental Security Income (SSI).
January 2026 Social Security Payment Dates
Here’s when beneficiaries will receive their first payments of the year:
SSI Payments
- Wednesday, December 31: January SSI benefits
(Paid early because January 1 is a federal holiday.)
Dual Social Security + SSI Recipients
- Friday, January 2: Social Security benefits for those who also receive SSI
Regular Social Security Benefits (Based on Birth Date)
- Wednesday, January 14: Born 1st–10th
- Wednesday, January 21: Born 11th–20th
- Wednesday, January 28: Born 21st–31st
Why SSI Arrives Early (Again)
Because February 1, 2026 falls on a Sunday, SSI recipients will once more receive an early payment:
- Friday, January 30: February SSI benefit
(This is not a bonus—it simply arrives early because of calendar rules.)
The SSA clarified the policy in a past update: when the 1st of the month falls on a weekend or holiday, payments are issued on the last business day before the month begins. This ensures beneficiaries never face delays.
COLA Increase: What Beneficiaries Can Expect in 2026
A 2.8% cost-of-living adjustment takes effect for:
- SSI beneficiaries in December 2025
- All other Social Security beneficiaries beginning January 2026
For the average retired worker, that’s an increase of roughly $56 per month, according to SSA estimates.
SSA Commissioner Frank J. Bisignano said the COLA ensures benefits “reflect today’s economic realities” and continue providing “a foundation of security” for millions of families.
AARP CEO Jo Ann Jenkins added that the inflation-indexed boost helps older Americans afford essentials such as groceries and gas—though many retirees still report financial strain.
Summary: January 2026 Payment Calendar
| Recipient Type | Payment Date |
|---|---|
| SSI (January benefit) | Dec. 31, 2025 |
| Social Security + SSI | Jan. 2, 2026 |
| Birthdays 1st–10th | Jan. 14, 2026 |
| Birthdays 11th–20th | Jan. 21, 2026 |
| Birthdays 21st–31st | Jan. 28, 2026 |
| SSI (February benefit) | Jan. 30, 2026 |
Stay informed and plan ahead. Social Security remains a lifeline for over 71 million Americans — knowing your payment dates and any upcoming changes is key to staying financially secure.
If you’re unsure about your benefits or need personalized guidance, visit SSA.gov or call 1-800-772-1213.