Americans who rely on Social Security disability programs will see a slight increase in their monthly payments for 2026. Each October, the Social Security Administration (SSA) announces the Cost-of-Living Adjustment (COLA) for the following year, a process designed to ensure that benefits keep pace with inflation.
For 2026, the COLA will rise by 2.8%, compared to a 2.5% increase in 2025.
What Is the COLA and Why Does It Matter?
The COLA is tied to the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). When inflation increases, everyday costs—such as food, housing, and transportation—rise. The COLA helps ensure Social Security benefits maintain their purchasing power over time.
In its announcement, SSA Commissioner Frank J. Bisignano emphasized the importance of the adjustment:
“Social Security is a promise kept, and the annual cost-of-living adjustment is one way we are working to make sure benefits reflect today’s economic realities to provide a foundation of security. The cost-of-living adjustment is a vital part of how Social Security delivers on its mission.”
SSI Benefits Increase for 2026
Many people with disabilities rely on Supplemental Security Income (SSI) for essential support. In 2026:
- Individuals will see their maximum federal SSI payment increase from $967 to $994 per month — a $27 increase.
- Eligible couples will see an increase from $1,450 to $1,491, a $41 increase.
SSI recipients will see the increase reflected in their December 31, 2025 payment, which counts as the first payment for January 2026.
Currently, about 7.5 million Americans receive SSI benefits.
SSDI Benefits Increase for 2026
Those who receive Social Security Disability Insurance (SSDI) will also benefit from the 2.8% COLA increase.
While SSDI payment amounts vary based on each individual’s lifetime earnings before disability, the SSA estimates that:
- The average monthly SSDI payment will rise from $1,586 in 2025 to $1,630 in 2026 — an increase of $44.
It’s important to note that SSDI benefits are calculated differently for every recipient and depend on work history and contributions to Social Security.
What This Means for Disability Beneficiaries
While the 2.8% COLA is modest, it provides some relief as prices for housing, food, and medical care continue to fluctuate. The SSA’s annual adjustment ensures that Americans living on fixed incomes—especially disabled individuals—are better protected against rising costs.
For many families, these increases help cover essentials and maintain economic stability.
Need Help Understanding Your Benefits?
If you have questions about SSI, SSDI, eligibility, appeals, or how the COLA may affect your benefits, our team can help. Understanding the system can be complex, but you don’t have to navigate it alone.