Social Security Announces 2.8% Benefit Increase for 2026

by

Jan Dils

Last Updated January 21, 2026 In Social Security, Industry News, Social Security Benefits

The Social Security Administration (SSA) has announced their annual benefits increase for 2026: 2.8%, to address the inflation rate over the past year. Understanding how the change works, and how it applies to your situation, can help you prepare for the year ahead.

Helping people pursue Social Security Disability Insurance benefits is one of our missions at Jan Dils. Staying informed about updates that affect your financial stability and daily life helps us offer the best to our client. We can explain what the changes mean and discuss available options during a free consultation.

Why Social Security Benefits Increase

The SSA evaluates benefit amounts on a yearly basis. For 2026, these updated payments begin in December 2025.

The increase raises the amount you will receive each month. Anyone collecting SSDI or SSI will see the adjustment reflected in the December 2025 payment, as well as their payments during calendar years 2026.

Covering everyday expenses such as groceries, housing, utilities, and medical care will become more manageable with additional monthly income. Although individual payment amounts vary, the increase can make a noticeable difference when managing a household budget.

How the Increase Affects SSDI and SSI

The increase applies to both SSDI and SSI recipients. SSDI supports individuals who worked and paid Social Security taxes before becoming unable to work due to a disabling medical condition. SSI provides need-based financial assistance to people with limited income and resources who are disabled, blind, or older.

The benefit change has no impact on eligibility; it simply increases monthly payments to those who already qualify. Relying on SSDI or SSI for basic living expenses often means every dollar counts, while extra funds can help with rent, food, and other essentials. Even if you are waiting on a claim decision or appealing a denial, you could still benefit since approved benefits reflect current payment amounts.

Other Social Security Changes to Watch

The Social Security Administration is phasing out paper checks. Beginning in October 2025, direct deposit became the standard method for receiving benefits. Improving reliability and reducing payment delays are the goals behind this transition.

Keeping bank information current with the SSA helps payments arrive on time, while updating account details promptly, and addressing concerns early, can prevent interruptions. Contacting both the SSA and your financial institution quickly can help resolve issues efficiently.

Planning Ahead with Increased Benefits

Reviewing how the benefit increase fits into your overall financial picture can help with planning your monthly expenses. Uncertainty about how the adjustment applies to your situation or concerns about a pending SSDI or SSI claim can create significant stress. Speaking with knowledgeable advocates often brings clarity and peace of mind. We have helped many individuals through applications and appeals, working toward securing the benefits they deserve.

Speak With Jan Dils, Attorneys at Law About How the SSA’s 2.8% COLA Increases Affects Your Benefits

If you receive SSDI or SSI, or if you are applying and need guidance, we can help explain how changes like the 2026 COLA increase affect you. At Jan Dils, Attorneys at Law, our Social Security Disability Insurance team has decades of experience assisting clients at every stage of the process. Call today for a free consultation and receive support focused on your needs.