Social Security recipients will receive two more checks before the new year, with modest increases projected for the December payment. While the rise won’t be dramatic, understanding these seasonal adjustments and the upcoming 2026 Cost of Living Adjustment (COLA) is crucial for those relying on these benefits.
Average Payments Through 2025
As of August 2025, the Social Security Administration (SSA) reported an average monthly payment of $2,008.31 for retired workers. The average across all beneficiaries was slightly lower at $1,864.87. Historical data reveals incremental increases throughout the year:
- January: $1,978.77
- March: $1,997.13
- June: $2,005.05
This pattern suggests a small but consistent rise in payments.
Winter 2025: A Modest Increase
Based on a seasonal increase of approximately 0.49%, retirees can anticipate an average check of around $2,018.15 in December. This means the final payment of 2025 should be roughly $39.38 higher than the January check. While not substantial, this adjustment helps offset the effects of inflation.
Looking Ahead: The 2026 COLA
The SSA has announced a 2.8% COLA for 2026, effective with payments in January. This is a slight improvement over the 2.5% increase received in 2025 but remains below the ten-year average of 3.1%. If December’s average payment holds at $2,018.15, the average post-COLA payment in January 2026 will be approximately $2,074.66.
Why this matters: The COLA is designed to protect Social Security benefits from being eroded by inflation. However, the effectiveness of this adjustment depends on how accurately it reflects the actual cost of living for beneficiaries, especially those with fixed incomes.
In conclusion, Social Security recipients should anticipate minor gains this winter, with a more substantial increase coming in January 2026 thanks to the COLA. Staying informed about these adjustments is vital for financial planning and ensuring benefits keep pace with rising costs.
