SSDI Recipients: When Your January 2026 Payment Arrives With 2.8% COLA
Brett Hoppe
Published Dec 25, 2025
If you receive Social Security Disability Insurance (SSDI), your January 2026 payment includes a 2.8% Cost-of-Living Adjustment (COLA) to help cover rising expenses like rent, utilities, and medical costs.
Read: Social Security Payments for January 2026 Are Coming Early for Some—Here’s the Full Schedule
SSDI Benefit Table
SSDI benefits rise 2.8% in 2026 via COLA, boosting the average monthly payment from $1,586 to $1,630 ($44 more) and the maximum from $4,018 to $4,152 ($134 more).-
Average SSDI: $1,586 (2025) rises to $1,630 (2026), a $44 increase.
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Maximum SSDI: $4,018 (2025) rises to $4,152 (2026), a $134 increase.
Individual amounts vary by work history; check your notice or my Social Security account.
January SSDI Payment Schedule
For SSDI started after May 1997:
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Birthdays 1–10: Jan 14
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Birthdays 11–20: Jan 21
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Birthdays 21–31: Jan 28
Earlier Payments
SSDI started before May 1997, or SSDI + SSI: Jan 2 (payment issued early due to weekend).
Payments are delivered via direct deposit or Direct Express card. If your payment hasn’t posted, check my Social Security account and wait three business days before reporting.
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