Tips for Beneficiaries for January 2026

If you receive Social Security benefits, here are a few practical tips for January:

• Check which birth date group you fall into to know your exact payment date — Jan. 14, 21, or 28.
• Set up or verify direct deposit to ensure funds arrive as scheduled, especially around holidays.
• Remember that SSI payments may arrive early (Dec. 31, 2025) due to the New Year’s holiday.

P.S.: For full control of your benefits and notices, consider creating a mySocialSecurity account on the SSA website.

Bottom Line

In January 2026, Social Security benefit payments will be issued on January 14, 21, and 28 for most retirees and disability beneficiaries, with the date depending on your birth date.

These checks will reflect a 2.8 percent COLA increase, helping millions of Americans keep pace with inflation. Knowing your payment date and understanding the COLA can help you plan your monthly finances with confidence.