2026 COLA Confirmed: Social Security and SSI benefits increased 2.8% beginning January 2026.
Key 2026 Numbers at a Glance
Cost-of-Living Adjustment
2.8%
Average retired worker sees about +$56 per month
Average Retirement Benefit
$2,071
Estimated average monthly benefit for retired workers in 2026
Maximum Taxable Earnings
$184,500
Earnings subject to Social Security tax in 2026
SSI Federal Benefit (Individual)
$994
Maximum federal SSI payment for an eligible individual
Earnings Limit (Under FRA)
$24,480
Annual limit before benefits are reduced ($1 for every $2 over)
Earnings Limit (Year of FRA)
$65,160
Higher limit in the year you reach full retirement age
Official & Helpful Videos
Watch official explanations and clear guides from trusted sources:
70 Years of Social Security Disability Insurance
Official SSA video marking the 70th anniversary of the SSDI program (July 2026).
How Do I Replace My Social Security Card?
Clear AARP explanation of the replacement process for citizens and non-citizens.
Social Security COLA Explained
AARP breaks down how the annual cost-of-living adjustment works.
Recent Official Updates
July 30, 2026 — SSA marks the 70th anniversary of the Social Security Disability Insurance (SSDI) program. The agency highlighted reduced wait times and higher productivity in disability claims processing.
October 2025 — SSA announced the official 2.8% COLA for 2026. Benefits for Social Security recipients increased in January 2026. SSI payments rose starting December 31, 2025.
2026 Taxable Maximum — The maximum amount of earnings subject to Social Security tax rose to $184,500 (up from $176,100 in 2025).
Earnings Test Limits — Workers under full retirement age can earn up to $24,480 in 2026 before benefits are reduced. The limit in the year you reach full retirement age is $65,160.
Official Source — Always verify the latest numbers and rules directly at
ssa.gov/cola and
ssa.gov.
Free educational resource • Updated for 2026 • Not affiliated with the Social Security Administration