Social Security beneficiaries can expect their payments to arrive on Tuesday, February 3, 2026. This deposit covers monthly retirement, disability, and survivor benefits and includes the Social Security Administration’s latest 2026 cost-of-living adjustment (COLA), giving recipients a modest boost to keep up with rising costs.
How much beneficiaries will receive
For February 2026, the Social Security Administration rolled out a 3.2% cost-of-living adjustment (COLA) across all eligible payments. That means the average monthly retirement benefit—about $1,827 in 2025—goes up by roughly $59, bringing the new average to around $1,886. Depending on their original benefit amount, some recipients may see an even bigger increase.
Disability beneficiaries and survivors are seeing similar boosts, while Supplemental Security Income (SSI) payments have also been adjusted to help keep up with higher everyday expenses.
Keep in mind, though, that the exact amount deposited can vary from person to person. Factors like taxes, deductions, and individual benefit details can all affect the final payment.
When and how payments are made
Social Security payments are sent out on a schedule tied to beneficiaries’ birth dates. If you were born between the 1st and 10th of the month, you usually get paid on the second Wednesday. Those born from the 11th to the 20th are paid on the third Wednesday, while birthdays falling between the 21st and 31st are scheduled for the fourth Wednesday. This month, February 3 lines up with the payment date for certain groups.
Most people receive their benefits through direct deposit, which is the quickest and most secure option and helps ensure payments arrive on time. For those still receiving paper checks, delivery can take a bit longer depending on mail service timing.
Beneficiaries are encouraged to review their details through the My Social Security portal or their SSA statements to confirm the exact payment amount and date. This is especially helpful if your benefits are affected by deductions such as federal taxes or voluntary contributions.
Overall, February 3 represents another on-time payment for millions of Americans who rely on Social Security. The recent COLA increase is designed to ease the pressure of rising costs and help recipients maintain their quality of life. With predictable payment dates, beneficiaries can plan ahead and cover essentials like rent, healthcare, and daily expenses with greater peace of mind.