December Social Security and SSI payments: Dates, double checks and the 2026 COLA increase [View all]

https://english.elpais.com/usa/2025-12-04/december-social-security-and-ssi-payments-dates-double-checks-and-the-2026-cola-increase.html#

December Social Security and SSI payments: Dates, double checks and the 2026 COLA increase

Since January 1 is a federal holiday, the first payment of next year will be deposited on the last day of this month, so most beneficiaries will receive two checks

ALONSO MARTÍNEZ
DEC 04, 2025 - 10:35 EST

Around 74 million Americans rely on Social Security benefits, and another seven million on Supplemental Security Income (SSI) to help cover their monthly expenses. As the holiday season approaches, the payment schedule is particularly relevant for retirees, people with disabilities, and low-income households. December is also a month with several exceptions to the usual payment schedule, and this year, many beneficiaries will receive two payments due to the distribution of federal holidays.

Here’s everything you need to know about Social Security and SSI payment dates for December and early 2026.

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This is not a bonus or additional benefit, it simply occurs due to the date adjustment. Something similar will happen in 2026 in January, February, July, August, October, and December.

How much will COLA increase in 2026?

The December payments are the last checks before the 2.8% cost-of-living adjustment (COLA) takes effect in 2026. Starting with the SSI advance payment on December 31, beneficiaries will see their first increased amount.

For the average retiree, this COLA equates to approximately $56 more per month. The increase applies to all programs administered by the SSA, including retirement, disability, and SSI.

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