SSI COLA Increase Payment: Many people who get Supplemental Security Income will finish 2025 with an extra surprise in their bank accounts. The Social Security Administration decided to move the payment dates because the normal schedule cannot work with the way the calendar falls this year.
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The Cost of Living Adjustment, also known as COLA, is the increase that the Social Security Administration adds to monthly benefits. The agency created this raise to help people stay even with higher prices in the country. The 2026 COLA will help people handle the economy better, and the new year increase will show up before the year even starts. The COLA will rise by 2.8%, and this early payment will already carry that new number.
What will the COLA increase be for 2026?
Social Security has already said what the COLA change will be for 2026. They confirmed it will be 2.8%, and this raise will increase SSI payments and help millions of people who get these benefits.
- Individuals: from $967 in 2025 to $994 in 2026
- Eligible couples: $1,450 to $1,491
Who is eligible for SSI payments?
To be eligible, a person must belong to one of the following categories:
- Adults over 65 years of age: People who have reached the age of 65.
- People who are blind or have low vision: Adults or children who are legally blind.
- People with disabilities.
In addition, there are the economic requirements:
- Individuals: Countable resources must be less than $2,000.
- Couples: Countable resources must be less than $3,000.
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When will you Receive the Payment?
The payment that belongs to January 2026 will not arrive in January at all. Instead, the money will be sent on December 31, 2025. This means people will end the year with the new 2.8% increase already inside their account.
This early payment happens because SSI normally arrives on the first day of the month, but January 1, 2026 is a federal holiday. When that happens, the agency moves the payment to the last business day before the holiday so everyone can still get their money without delay.
Why did the Payment move?
SSI rules say that benefits always go out on the first day of each month. But if that day is a weekend or a holiday, the Social Security Administration cannot send it then. So the date shifts earlier. That is why the money for January 2026 will show up on December 31, 2025.
