January Social Security & SSI Payment Dates

January marks the first distribution of each year incorporating the newly enacted Cost-of-Living Adjustment (COLA). SSI payments for January are delivered in late December due to New Year's Day bank closures.

Official Data Verification: August 2026

Audited against Federal Reserve Holiday Calendar

Primary Authority: Social Security Administration (SSA)

Regulatory Basis: POMS GN 02401.000 & 20 CFR § 404.1807

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January 2026 ScheduleCurrent Year

SSI (1st of Month):Dec 31, 2025 (Adv.)

3rd of Month Cohort:Jan 2, 2026 (Adv.)

2nd Wednesday (Birth 1st–10th):Jan 14, 2026

3rd Wednesday (Birth 11th–20th):Jan 21, 2026

4th Wednesday (Birth 21st–31st):Jan 28, 2026

Notes: COLA Increase Effective

January 2027 Schedule2027 Projections

SSI (1st of Month):Dec 31, 2026 (Adv.)

3rd of Month Cohort:Jan 4, 2027 (Mon)

2nd Wednesday (Birth 1st–10th):Jan 13, 2027

3rd Wednesday (Birth 11th–20th):Jan 20, 2027

4th Wednesday (Birth 21st–31st):Jan 27, 2027

Notes: 2027 COLA Raise Reflected in Deposits

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Forecast monthly payment dollar increases for next year.

Official Primary Data Sources

Verified against federal statutes, agency publication manuals, and Federal Reserve rules.

View All Sources

Schedule of Social Security Benefit Payments (SSA Pub 05-10031)

Social Security Administration

Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.

Title 20 Code of Federal Regulations § 404.1807

U.S. Government Publishing Office

Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.

Federal Reserve Board Financial Services Operating Holidays

Federal Reserve System

Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.

Bureau of Labor Statistics CPI-W Inflation Data

U.S. Department of Labor

Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.

Independent calculation engine reviewed monthly by policy researchers.

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