Social Security Benefits Increase in 2022

October 13, 2021 • By

Last Updated: October 13, 2021

Approximately 70 million Americans will see a 5.9% increase in their Social Security benefits and Supplemental Security Income (SSI) payments in 2022. Federal benefit rates increase when the cost-of-living rises, as measured by the Department of Labor’s Consumer Price Index (CPI-W).

The CPI-W rises when inflation increases, leading to a higher cost-of-living. This change means prices for goods and services, on average, are a little more expensive, so the cost-of-living adjustment (COLA) helps to offset these costs.

We will mail COLA notices throughout the month of December to retirement, survivors, and disability beneficiaries, SSI recipients, and representative payees. But, if you want to know your new benefit amount sooner, you can securely obtain your Social Security COLA notice online using the Message Center in your my Social Security account. You can access this information in early December prior to the mailed notice.

If you prefer to access your COLA notice online and not receive the mailed notice, you can log in to your personal my Social Security account to opt out of a mailed COLA notice and any other notices that are available online by updating your Preferences in the Message Center. Did you know you can receive a text or email alert when there is a new message waiting for you? That way, you always know when we have something important for you – like your COLA notice. If you don’t have an account yet, you must create one by November 17, 2021, to receive the 2022 COLA notice online.

January 2022 marks other changes that will happen based on the increase in the national average wage index. For example, the maximum amount of earnings subject to Social Security payroll tax in 2022 will be higher. The retirement earnings test exempt amount will also change in 2022.

Be among the first to know! Sign up for or log in to your personal my Social Security account today. Choose email or text under “Message Center Preferences” to receive courtesy notifications.

You can find more information about the 2022 COLA here.


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About the Author

Darlynda Bogle, Acting Deputy Commissioner for Communications


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  1. Ebby P.

    I am receiving survivor benefits and I am wondering how much I can make before I loss my benefits or before it is reduced

  2. Barbara Y.

    My question is ” If I usually get my social security payment on the 3 rd of the month, will I still get it on the same date ? Or cause of the” Cola ” payment, will it change to a different date ?? Indeed to know this ahead of time, so that I if I have to change all of my electronic payments ?

    Thank You;

    Barb Y. Preston

    • Teresa J.

      It’s not changing. If it’s on the 3rd it stays on the 3rd. Per SSA staff.

      • Pamela

        However anyone on disability will surely be having lots of hard times when it comes to paying bills. Landlords want rent always on the 1st and no later than the 5th of the month or they charge a $50 late fee. People on disability can’t afford to pay an extra $50. As well, if your last payment was on the 1st and you don’t getting anymore benefits till say the 26th, well gee, that’s almost 2 months without a payment.

  3. Michael L.

    Hello, Accordingly I should still receive my disability on the 3rd, but according to your site, it will be changing to the middle of the month. So, this means S.S.A. is changing the dates. How are we suppose to be able to make our monthly bill payments without being constantly late due to your changes? Granted some can allow for date changes, but there are those who will not allow you to change without either a hefty penalty or not at all.

    • Barbara Y.

      In my comment question above, should of read ” I need to know this. So if I need to change my electronic payments ahead of time. Sorry, about the typing era. Thank You ; Barb Y. Preston

    • Teresa J.

      It’s not changing your date. We also receive ours on the 3rd. Lots of panic the way this was put out. SSA staff have already answered multiple times that nothing is changing from the way it is now. Dates by birthday started in May 1997. If you were getting a check based on your Birthday, the schedule is the same.

      So, no change. Good news!

      • Michael L.

        Thank you for the clarification of the disbursements dates.

      • Shookie

        So I’m looking where has anyone from SDA Govt answered this ? Im just looking for this in confirmation I keep seeing along w the COLA increase dates will b changing but can’t find that on the SDA site either cuz I looked at it & some ppl would have to wait like an extra 3 wks + some days for check in Jan so it would b like ppl losing almost a mos pay I couldnt see how this is possible. Thanks for your teplies

  4. Ralph M.

    My wife passed away Thanksgiving day 2020. It will be one year and I still have not received the 255.00 I was told. SS has her paperwork.

    • Vonda

      Hi Ralph, thanks for reaching out. We are very sorry for your loss. Please contact your local Social Security office. Look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. We hope this information helps.

  5. Dan S.

    The COLA is supposed to adjust for inflation, which is more than the increase. Biden says the increase will pay for the increase in Medicare. We are below the inflation increase and have even less to survive on because the Medicare increase will take more away from us. So start with 100, add 5.9% and now you have 105.90. Take out inflation close to 7% (about $7.41) and go back down to 98.49. Now take out the increase in Medicare. Even if the COLA was equal to inflation, Medicare increase will put us further in the hole. Biden thinks his lies will carry because the Media will spread, and cover, for them.

    • Gordon +.

      My wife and i are also below the poverty level and receive extra help for senior thru the state of Michigan, it pays our Medicare premium !

    • Debora B.

      Well said.. I was always told the truth hurts. You are right increase in one and go into debt (Medicare) for the rest. How does the government expect people in America to survive. But if you are a illegal you get everything that tax payers put into the system. It’s a shame how retired people and elderly people are treated in this country. Shame Shame on the government

  6. Patricia D.

    Will we still get our benefits on the same date of 2021 deposit to our accounts

    • Vonda

      Hi Patricia, thanks for using our blog. Social Security’s payment schedule is not changing. Check out our Schedule of Social Security Payments for the 2022 payment dates.

      • Elizabeth H.

        According to the 2022 pdf

        the dates my SSI benefits are available are changing for me. It will be on the 12th of January, the second Wednesday of the month, and the second Wednesday of every month thereafter, instead of on the 1st of every month.

        The dates are changing for a lot of people. Why are you doing this?!? People need to pay their rent and bills on time and your new schedule of payments messes that up.

        • Ann C.

          Hi, Elizabeth. Our payment schedule has not changed. For most Social Security benefits, payment dates are based on your birthdate. We issue SSI payments at the beginning of the month. For more information about payment dates, check out our blog, What Day of the Month Do I Get My Social Security Payment? We hope this information is helpful.

          • Michael G.

            Hello. Accordingly, I should be still receiving my disability on the 3rd of each month. as your reply to Elizabeth states your schedule has not changed. Yet, going to your site mentioned in your reply. it will be changed to the middle of the month. How am I and the rest are to pay our bills by their due dates and the bills that are on auto withdraw from our accounts? A number of places will not change their payment dates without penalty of sorts. Thank you.

  7. Tom B.

    I applied for benefits and I didn’t get all my Delayed Benefits credit. (Delayed 26 months and they are giving me only 16 months.) Full retirement age 66 on September 2019 and I applied on October 2021. How Can I correct this mistake. I need help. They didn’t calculate the amount correctly.

    • Vonda

      Hi Tom, thanks for using our blog. If you retire before age 70, some of your delayed retirement credits will not be applied until the January after you start receiving benefits. For example, if you reach your full retirement age (67) in June, you may plan to wait until your 69th birthday to start your retirement benefits. Your initial benefit amount will reflect delayed retirement credits earned from your full retirement age through the year before your 69th birthday. In January of the following calendar year, your benefit will increase for the credits earned in the year of your 69th birthday. If you have additional questions, you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. We hope this information helps.


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