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. Bonnie T.

    Will SSA benefits be given according to birthdays in 2022? I have read this in several posts, but not from SSA! Is this true?

    • Sandi E.

      wondering the same thing??? hoping they will let us know cuz my dec amount will have to get me thru almost the END of january!

  2. Chyrl

    So the COLA is 5.9% but the raise in Medicare part B is 14%.

  3. Ryan

    Will people on ssdi get a raise becides the cola raise we are suppose to get.I’m on ssdi and I make 864.00 a month.

  4. Keith

    We get an inflation increase but we lose part of it to cover increase in part B increase? So much for covering inflation!!

  5. Ronald P.

    How much will part B be taken out of our Social Security check. Or percentage.

  6. Carl J.

    I am on social security disability how come I can not get extra money every month for my wife and my granddaughter I have full custody of my granddaughter for the past 5 years

    • Vonda

      Hi Carl, thank you for using our blog. Under current law, Social Security can only pay benefits to grandchildren if certain conditions are met. In addition to providing for more than 50% of their support as you are doing now, the biological parents of the children must be deceased or disabled, or you must have legally adopted them. Check out our Parents and Guardians web page for more information on benefits for grandchildren.

      Your wife may be eligible for spouse’s benefits if she’s at least 62 years of age. Check out our Benefits For Your Spouse web page for additional details.

  7. Julie

    If I retire on December 21, 2021 will I receive the 5.9% cola increase for 2022?

    • Vonda

      Hi Julie, thanks for using our blog. If you are an insured worker, you are eligible for Social Security retirement benefits when you reach age 62. Regardless of when you choose to begin receiving Social Security retirement benefits, your monthly benefit amount will include all cost-of-living increases starting with December of the year you attain age 62. Check out our Social Security Benefit Amounts web page for more details. We hope this is helpful.

      • Theresa L.

        Is this social security raise part of the covid-19 pandemic? If it’s not then the raise will not do me any good because I am extremely low income on disability and SSI and the amount of rent that I pay depends on how much I make each month so when I get a raise in Social Security my rent goes up and they take away some of my food money which leaves me with not a whole lot left of what they gave me to begin with so I would like to know if it’s just a normal raise because if it is then I know my rent is going to increase and I’m going to lose some food money what basically means that I won’t be any better off by getting this raise

        • Vonda

          Hi Theresa, thanks for using our blog. The Social Security Act ties the annual cost-of-living (COLA) increase to the increase in the Consumer Price Index as determined by the Department of Labor’s Bureau of Labor Statistics. The purpose of the COLA is to ensure that the purchasing power of Social Security and Supplemental Security Income (SSI) benefits is not eroded by inflation. It is based on the percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) from the third quarter of the last year a COLA was determined to the third quarter of the current year. If there is no increase, there can be no COLA. To read more, please visit the Cost-of-Living Adjustment web page. We hope this helps!


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