January 2026 Social Security Payment Schedule & Benefit Dates
Because New Year’s Day 2026 falls on a Thursday banking holiday cluster with the prior weekend, SSI for January is deposited on Wednesday, December 31, 2025. Pre-1997 / dual-eligibility shifts to Friday, January 2. Wednesday birthday cohorts stay on January 14, 21, and 28.
2 of 5 cohorts are holiday-adjusted this month
January 2026 starts with an early SSI deposit
- New Year’s Day (Thu Jan 1) — SSI paid the prior business day (Dec 31, 2025)
- No mid-month federal holiday for Wednesday cohorts in January 2026
SSI
Supplemental Security Income
December 31, 2025
1st of the month (or prior business day)
Pre-1997 / Dual eligibility
Claims before May 1997 or concurrent SSI
January 02, 2026
3rd of the month (or prior business day)
Birthdays 1–10
Post–May 1997 Title II
January 14, 2026
2nd Wednesday (holiday → prior business day)
Birthdays 11–20
Post–May 1997 Title II
January 21, 2026
3rd Wednesday (holiday → prior business day)
Birthdays 21–31
Post–May 1997 Title II
January 28, 2026
4th Wednesday (holiday → prior business day)
January 2026 schedule FAQs
Why did my January SSI arrive in December 2025?
When the 1st is a federal holiday or weekend, SSI posts on the prior business day. January 1, 2026 is New Year’s Day, so January SSI landed on December 31, 2025.
Do birthday Wednesday payments also move in January 2026?
No. The 2nd, 3rd, and 4th Wednesdays (Jan 14, 21, 28) are regular business days, so those cohorts stay on schedule.
Adjacent months & tools
Compare January 2026 with neighboring months, the full-year calendar, or estimate your net deposit after Medicare and tax withholding.
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.