Determining when you will receive your Social Security payment in 2026 largely depends on your birth date, though there are exceptions. If you began receiving Social Security benefits before May 1997 or are currently receiving both Social Security and Supplemental Security Income (SSI), your Social Security payment is issued on the third of the month while SSI payments are made on the first. Payments scheduled for a federal holiday or weekend will arrive on the closest preceding weekday.
The announcement for the official Cost-of-Living Adjustment (COLA) has been postponed until this Friday. Nevertheless, estimates suggest that the 2026 COLA may be around 2.7% based on preliminary data. David Payne, a staff economist for the Kiplinger Letter, shared that the recent Consumer Price Index (CPI) report upholds a COLA estimation of 2.7%, though there is a possibility it could rise to 2.8% based on subsequent reports. The Senior Citizens’ League (TSCL) has also maintained its prediction at 2.7%, reflecting a steady increase in its monthly projections since March.
Due to the current government shutdown, the release of the official COLA figures has been delayed, typically announced by October 15. This year, the announcement is expected on October 24.
In August 2025, the Social Security Administration reported that the average monthly Social Security check for retirees was $2,008.31. A 2.7% COLA increase would translate to an average boost of approximately $54.22 per month, totaling an annual increase of about $650.69.
For those anticipating Social Security payments in 2026, the payment schedule is simple to follow. Payments are divided by birth date, making it easy to determine specific payment dates throughout the year.
Additionally, it is highly recommended that beneficiaries create a “my Social Security” account. This account provides access to important information regarding your benefits, even during government shutdowns. It can be utilized for various tasks such as requesting replacement cards, receiving updates about COLA changes, managing direct deposit details, and obtaining Social Security tax forms. For individuals concerned about privacy, especially regarding mail theft, this online service offers a secure alternative for receiving important notices.
This information serves as a valuable resource for Social Security recipients as they prepare for upcoming changes and ensure they manage their benefits effectively.