Social Security and SSI benefits increase 2.8% in 2026. The Social Security Administration confirmed the annual cost-of-living adjustment on Friday, October 24, 2025. The increase starts on December 31 for 7.5 million SSI beneficiaries and in January for Social Security recipients.
The COLA reflects inflation measured by the official index. Federal authorities indicate that the percentage exceeds the 2.5% of 2025 but falls below the 3.1% average of the last decade. Actual payments vary with additional state contributions.
- Maximum individual SSI benefit: US$994 per month (from US$967).
- Maximum benefit for couples: US$1,491 per month (from US$1,450).
- Notice sent by mail starting in December or accessible online.
Adjustment details
The automatic adjustment ties to the consumer price index. The Social Security Administration processed the announcement after a government shutdown.
Federal amounts serve as the minimum base. States can raise the totals with their own supplements.
Practical application
SSI beneficiaries receive the increase on December 31. Social Security payments adjust in January, as in previous years.
The agency sends one-page notifications with new amounts and deductions. Information remains available on the official website for immediate consultation.
Comparative numbers
The 2026 COLA reaches 2.8%. The 2025 one was 2.5%.
The previous decade’s average records 3.1%. The difference reflects annual inflation variations.
Official statements
Frank J. Bisignano, commissioner of the Social Security Administration, stated that the COLA keeps the promise of security. The adjustment reflects current economic realities.
Shannon Benton, from The Senior Citizens League, considers the increases insufficient. The group advocates for a minimum 3% COLA and a change in the calculation index.
Access to information
Notifications arrive by mail starting in early December. Beneficiaries consult online accounts for personalized details.
The agency maintains the standard schedule despite initial delays. Millions of affected people receive direct updates.
Regional variations
Payments exceed the federal level in states with supplements. Local contributions raise the monthly amounts.
Beneficiaries check state rules for exact totals. The federal base ensures the national minimum.
