SSI Payments in December 2025: Why Recipients See Two Checks and What It Means for 2026

• SSI recipients will receive two checks in December 2025 due to the timing of New Year's Day on January 1, 2026.
• The January 2026 SSI payment includes a 2.8% cost-of-living adjustment (COLA), increasing benefits by an average of $27 per month for individuals and $41 for couples.
• Social Security retirees should access their SSA-1099 or SSA-1042S forms by Dec. 25 to prepare for 2025 tax filings.

In December 2025, (SSI) recipients will see a unique payment adjustment due to the timing of New Year's Day, a federal holiday. This means the January 2026 SSI payment will be issued early on December 31, resulting in two deposits: one for December and one for January. While the total amount remains unchanged, this change can help recipients better manage their finances as they prepare for the 2026 cost-of-living adjustment (COLA) according to a report.

Does the December 2025 SSI Payment Include a Cost-of-Living Adjustment (COLA)?

Yes. The January 2026 SSI payment includes a 2.8% COLA, . This is a significant factor for individuals who rely on SSI as a primary source of income. The COLA increase also applies to Social Security retirees, with an average monthly increase of $56 per person and a maximum increase of $143 for those receiving the highest benefits as reported.

For those receiving both SSI and Social Security, this December payment change may be more complex. Some individuals will receive three payments in December—two for SSI and one for Social Security—due to differing payment schedules. This can affect budgeting, so it is essential for recipients to understand their specific payment arrangements as outlined.

Why Is It Critical for SSI and Social Security Recipients to Access Their Tax Forms by Dec. 25?

Social Security retirees must access their SSA-1099 or SSA-1042S forms by Dec. 25 to accurately prepare for their 2025 tax filings. These forms detail the portion of their benefits subject to federal taxation, which remains unchanged despite recent political discussions according to data.

The tax rules for Social Security benefits are based on . For single filers, , and for married filers filing jointly, . Retirees should also be aware that a higher standard deduction is available in 2025, which can reduce or even eliminate federal income tax liability for some seniors as noted.

For 2025, the SSA-1099 and SSA-1042S forms will be available online on Dec. 25 and mailed out by Dec. 26. Retirees should ensure they access these forms to meet their tax obligations accurately and avoid any potential delays in filing as confirmed.

What Are the Key Dates for SSI and Social Security Payments in January 2026?

In January 2026, SSI payments will be made on December 31, 2025, to avoid falling on New Year's Day, a federal holiday as reported. Social Security payments will continue to follow the birthdate-based schedule established in December 2025, with payments on the 14th, 21st, or 28th, depending on the recipient's birthdate.

For individuals who began receiving Social Security benefits before May 1997, the January 2026 payment will be issued on Friday, January 2 as detailed. Recipients are advised to be aware of these dates to ensure their payments arrive on time and to manage their financial planning accordingly. If there are any delays, the SSA encourages recipients to first contact their bank or financial institution and then the SSA directly if the issue persists as stated.

As the year comes to a close, SSI recipients should also keep an eye on the upcoming payment changes in 2026 and the impact of the COLA on their monthly benefits. These adjustments are essential for ensuring that retirees can plan their expenses and make informed decisions about their financial future according to official sources.