A 2.8% cost-of-living adjustment (COLA) is set to increase monthly payments for over 75 million Americans in 2026. Whether you’re a retiree, a surviving spouse, someone receiving disability benefits, or getting SSI, your checks are going up. The best part? You don’t need to do anything — the bump is automatic.
If you’ve ever wondered how COLA works or when the extra money shows up, we’ve got you covered. Here’s a simple breakdown of what to expect in 2026.
Table of Contents
Increase
So what does a 2.8% COLA actually look like in real terms?
Starting January 2026, the average retirement check will go up by $56 per month, moving from $2,008 to $2,064. That might not sound like much, but over the course of a year, that’s an extra $672 in your pocket. And for those on SSI, the increase starts a little earlier — on December 31, 2025.
No forms to fill out. No calls to make. The government handles everything automatically. This annual adjustment helps your benefits keep pace with inflation — and while 2.8% is a bit lower than some previous years, it’s still above the historical average of 3.1% over the last decade.
Breakdown
Here’s how much each beneficiary group will receive after the COLA is applied:
| Beneficiary Group | 2025 Average | 2026 Average | Monthly Increase |
|---|---|---|---|
| Retirees | $2,008 | $2,064 | +$56 |
| Spouses | $954 | $981 | +$27 |
| Survivors | $1,575 | $1,619 | +$44 |
| Disabled Workers | $1,583 | $1,627 | +$44 |
If you’re receiving both Social Security and SSI, you’ll get an increase in each program based on the COLA. These changes happen automatically and apply to every eligible person.
Earnings
Planning to keep working in 2026 while collecting benefits? Good news — the earnings limits are increasing too.
Here’s what the new earnings thresholds look like:
- For those under full retirement age: You can earn up to $24,480 without any impact. If you go over, Social Security withholds $1 for every $2 above the limit.
- For those reaching full retirement age in 2026: The higher limit is $65,160, with $1 withheld for every $3 earned above it. Once you hit full retirement age, there’s no limit.
These limits help prevent surprises for working retirees. Exceed them, and the SSA may temporarily reduce your monthly benefit — but nothing is lost permanently. You’ll get that money back in higher payments later on.
Notices
Wondering when and how you’ll find out your exact new benefit amount? The Social Security Administration will notify you in two main ways:
- Online: Your updated benefit info will be available in your my Social Security account by late November 2025.
- By mail: A paper notice will land in your mailbox sometime in December 2025.
These notices include your new monthly benefit, any deductions (like Medicare premiums), and the effective date. If you’re on Medicare, your 2026 premium will also appear in your Message Center online.
If the letter gets lost or arrives late, don’t worry. The increase will still hit your account as scheduled.
Timeline
Here’s a quick glance at the key dates you should know for the 2026 COLA:
| Date | What Happens |
|---|---|
| Late Nov 2025 | View COLA details in your online account |
| December 2025 | Paper notices mailed to beneficiaries |
| December 31, 2025 | New SSI payments begin |
| January 2026 | Social Security COLA payments kick in |
| All of 2026 | Monitor earnings if you’re still working |
Planning
Even though the increase is modest, it’s still a good time to revisit your 2026 budget. With inflation continuing to affect essentials like food, utilities, and healthcare, that extra monthly amount can help cover rising costs.
Make sure your my Social Security account is up to date so you can easily view your new benefit amount and any Medicare changes. If you’re still working, plan your income carefully around the earnings limits to avoid any unexpected reductions.
The 2026 COLA may not feel huge, but it’s a meaningful step in helping millions of Americans keep up with the cost of living. And the best part is, the whole process is automatic. Just keep an eye on your mailbox or online account in late 2025, and make sure you’re ready for the new amounts starting in January.
FAQs
What is the 2026 COLA percentage?
It’s a 2.8% increase across all Social Security benefits.
When do new payments start?
SSI adjusts on Dec 31, Social Security in Jan 2026.
Do I need to apply for the COLA?
No, COLA adjustments happen automatically.
Will my check increase if I get both SSI and Social Security?
Yes, each benefit adjusts separately.
What are the 2026 earnings limits?
$24,480 for under full retirement; $65,160 for others.
