Supplemental Security Income (SSI) beneficiaries will receive two payments in December, with one reflecting the 2026 Cost-of-Living Adjustment (COLA). While this may feel like an extra benefit, the double payment is the result of the Social Security Administration’s payment schedule rather than a bonus.
Why SSI Payments Double in December
How the SSI Payment Schedule Works
SSI benefits are normally paid on the first day of each month. When that date falls on a weekend or federal holiday, payments are issued early.
January Payment Arrives Early
Because January 1 is a federal holiday, the January 2026 SSI payment will be deposited in late December, resulting in two payments during the same month.
Which Payment Includes the 2026 COLA
COLA Reflected in the Second Payment
The later December payment includes the 2026 COLA increase, meaning recipients will see a higher benefit amount than earlier checks.
Purpose of the COLA Increase
COLA adjustments are designed to help SSI payments keep pace with inflation, addressing rising costs for essential items like housing, food, and healthcare.
Important Budgeting Considerations
Not Extra Money
Despite receiving two payments in December, recipients will not receive an SSI payment in January, since that payment was issued ahead of schedule.
Planning for the Month Ahead
Beneficiaries are encouraged to budget carefully so the early January payment lasts through the entire month.
Eligibility and Payment Method
Who Qualifies
All eligible SSI recipients currently enrolled in the program will receive the payments automatically.
How Payments Are Issued
Payments are delivered via direct deposit, Direct Express cards, or mailed checks, depending on individual preferences.
Conclusion
SSI recipients will see two payments in December due to calendar timing, with the second payment reflecting the 2026 COLA increase. While helpful, this is not extra income but an advance payment for January. Understanding the schedule can help recipients plan wisely and avoid financial strain in the new year.
FAQs
1. Why are SSI recipients getting two payments in December?
Because January 1 is a federal holiday, January’s SSI payment is issued early in December, resulting in two payments.
2. Is the second December SSI payment extra money?
No. The second deposit is January’s benefit paid early, not a bonus or additional payment.
3. Which December payment includes the 2026 COLA increase?
The second December payment includes the 2026 Cost-of-Living Adjustment, making it higher than earlier payments.
