There are millions of Americans who rely on Social Security and Supplemental Security Income (SSI). The Social Security Administration (SSA) follows a specific payment schedule when paying benefits and for the month of December, there is a slight change.
A 2.8% COLA increase for 2026 was just confirmed by the government. This change is applicable to SSI payments beginning with the January 2026 check, which will actually be paid at the end of December 2025 due to the holiday.
In December, SSI recipients will receive two payments, and this may be a bit confusing for some. However, it’s actually just an early payment for January. Here’s what you need to know, explained simply.
Why SSI Payments Are Changing for January 2026
SSI payments are usually paid on the 1st of every month, however, should the 1st fall on a government holiday or weekend, then the SSA sends out SSI payments on the last business day of the previous month.
January 1st is always a holiday, New Year’s Day, and in 2026, it falls on a Thursday. Because benefits cannot be paid on a federal holiday, the SSA has moved the January SSI payment to December 31, 2025.
In essence, SSI beneficiaries will see two checks in December.
Two Payments in One Month, But Not a Bonus
Beneficiaries may think that this is an extra payment, but it’s important to follow the SSI payment schedule and keep the dates in mind.
- December 1, 2025: You receive your regular December SSI payment.
- December 31, 2025: Your January payment arriving early.
With that being said, it’s important to remember that there will be no SSI payment in January. It’s important to plan ahead so you don’t run short in January.
How the 2.8% COLA Fits In
On an annual basis, Social Security and SSI benefits are increased to keep up with increasing costs such as groceries, transit, and healthcare. This is referred to as COLA, or the Cost-of-Living Adjustment.
The COLA for 2026 is confirmed to be 2.8% and the adjustment for SSI benefits was scheduled for January 2026, however as a result of the holiday, beneficiaries will see the increase on the 31st of December 2025.
What Recipients Should Keep in Mind
Many people may get confused with two payments, therefore, it’s important to be prepared and plan ahead. Here are some simple tips to help you prepare:
- Make sure you understand that this is not an additional or extra payment, it’s just January’s payment arriving early.
- Make sure you keep aside money for the month of January. It’s essential to budget for necessary expenses.
- The early January payment will cover the 2.8% COLA rise. It still counts as a benefit for the following year even though it is arriving early.
- Be sure to monitor your bank account to check for your benefit payment. Payments arrive automatically but it’s wise to be aware.
A Simple Change With a Big Impact
There are millions of Americans who rely on SSI as their financial lifeline. Changes in payments may cause unnecessary panic and anxiety therefore it’s important to be aware and mindful. Beneficiaries should follow the SSA payment calendar so that they are aware of the payment dates. Perhaps writing down the date will help you remember and this will in turn avoid any confusion when payments arrive early.
The December 31 date is not a cause for concern. It’s simply a scheduling adjustment to keep the system running smoothly and avoid any delays in payment. This is important for those who rely on the program.
Beneficiaries are also urged to keep money aside and budget accordingly for January as there will be no payment in January. Be sure to follow the SSA website for verified information and updates.