Social Security payments up to $5,181 arrive January 28, 2026—who qualifies, why SSI pays early, and how COLA boosts checks

On January 28, 2026, Social Security will deliver payments up to $5,181. This final January wave hits accounts for those born after the 20th. It features the new 2.8% COLA increase. Meanwhile, SSI recipients get a second check on January 30. This early February payment arrives early because the 1st falls on a weekend. These adjustments help 74 million Americans fight inflation. Check your "my Social Security" portal for exact totals.