Social Security payments for January 2026 are being distributed according to the SSA's schedule, based on beneficiaries' birth dates. Those born between the 1st and 10th will receive payments on January 14. The 2026 cost-of-living adjustment (COLA) will provide a 2.8% increase, averaging $56 more per month. Current average monthly payments are $2,013.32 for retired workers, $1,588.52 for disabled workers, and $1,576.20 for survivors.