Supplemental Security Income (SSI) recipients will see two separate payments in December, with one reflecting the 2026 Cost-of-Living Adjustment (COLA). While it may appear to be an extra benefit, the timing is tied to the Social Security payment calendar rather than a bonus payout.
Why SSI Recipients Receive Two Payments in December
How the Payment Schedule Works
SSI benefits are typically paid on the first day of each month. When that date falls on a weekend or holiday, the payment is issued early.
January’s Payment Arrives Early
Because January 1 is a holiday, the January 2026 SSI payment is issued in late December, resulting in two deposits during the same month.
Which Payment Includes the 2026 COLA
COLA Applied to the Second Payment
The second December payment reflects the 2026 COLA increase, meaning recipients will notice a higher benefit amount compared to earlier checks.
Why COLA Matters
COLA adjustments are designed to help SSI benefits keep pace with inflation, covering rising costs for necessities such as food, housing, and healthcare.
What This Does—and Does Not—Mean for Recipients
Not an Extra Benefit
Although two payments arrive in December, there will be no SSI payment in January, since it was issued early.
Important Budgeting Reminder
Recipients are encouraged to plan carefully so the early January payment lasts throughout the following month.
Who Is Eligible for December SSI Payments
Standard Eligibility Rules Apply
Only individuals already enrolled in the SSI program and meeting income and resource limits qualify for these payments.
No Additional Application Needed
Eligible recipients do not need to apply separately for the COLA-adjusted payment.
How Payments Are Delivered
Direct Deposit or Paper Check
Most beneficiaries receive payments via direct deposit, while others may get mailed checks depending on their setup.
Conclusion
SSI recipients will receive two payments in December due to the Social Security payment schedule, with the second deposit including the 2026 COLA increase. While helpful, it’s important to remember this is not bonus income but an early payment meant for the following month.
FAQs
1. Why do SSI recipients receive two payments in December?
Because January 1 is a holiday, the January SSI payment is sent early in December, resulting in two payments that month.
2. Does receiving two SSI payments mean extra or bonus money?
No. The second December payment is January’s benefit paid early, not an additional or bonus payment.
3. Which December SSI payment includes the 2026 COLA increase?
The second December payment includes the 2026 Cost-of-Living Adjustment, making it higher than previous payments.
