The Social Security Cost-of-Living Adjustment (COLA) for February 2026 is set to increase benefits for millions of retirees, survivors, and disability beneficiaries. COLA ensures that Social Security payments keep pace with inflation, helping seniors and dependents maintain purchasing power amid rising living costs.
How COLA Is Calculated
COLA is based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The SSA reviews inflation trends and announces the adjustment annually. The increase is applied to all Social Security payments, including retirement, disability, survivor, and SSI benefits.
Who Benefits From COLA
All eligible Social Security recipients will see their monthly payments rise in February 2026. This includes retirees, spouses, minor dependents, survivors, and SSDI recipients. Even small COLA increases can make a meaningful difference in covering healthcare, housing, and daily living expenses.
Social Security COLA Overview – February 2026
Beneficiary TypePrevious BenefitCOLA Increase EstimateNew Estimated PaymentRetireesVaries3–5% estimateVaries by earnings historySSDI RecipientsVaries3–5% estimateAdjusted monthly benefitsSurvivorsVaries3–5% estimateBased on deceased’s earnings recordSSI RecipientsFederal benefit standardAdjusted per COLAIncreased for inflationThis table summarizes the estimated COLA increase for Social Security and SSI beneficiaries in February 2026.
Tips for Beneficiaries
Review SSA statements to understand your new payment amount. Keep bank and personal information updated to ensure direct deposit accuracy. Planning for slightly higher income due to COLA can help with budgeting for essentials and healthcare expenses.
Conclusion
The February 2026 Social Security COLA adjustment provides important financial relief for millions of Americans. Understanding how much benefits will increase and planning accordingly allows retirees, survivors, and disability recipients to better manage living costs.
Disclaimer: This article is for informational purposes only. Social Security COLA amounts, eligibility, and effective dates are subject to official SSA announcements and federal regulations. Beneficiaries should verify details with the Social Security Administration.
