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Security payments issued in January. ",[983],{"type":129,"attrs":984},{"color":12},{"type":764,"attrs":986,"content":987},{"level":766,"textAlign":788},[988,994],{"text":989,"type":22,"marks":990},"What other Social Security changes are coming in 2026?",[991,993],{"type":129,"attrs":992},{"color":12},{"type":38},{"text":774,"type":22,"marks":995},[996,998],{"type":129,"attrs":997},{"color":778},{"type":38},{"type":18,"attrs":1000,"content":1001},{"textAlign":788},[1002],{"text":1003,"type":22,"marks":1004},"Alongside the COLA increase, there are a number of other changes coming into force in 2026 that could impact Social Security beneficiaries, including: ",[1005],{"type":129,"attrs":1006},{"color":12},{"type":764,"attrs":1008,"content":1010},{"level":1009,"textAlign":788},3,[1011,1017],{"text":1012,"type":22,"marks":1013},"1. 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This new deduction is on top of the current additional standard deduction for seniors under existing law. ",[1049],{"type":129,"attrs":1050},{"color":12},{"type":18,"attrs":1052,"content":1053},{"textAlign":788},[1054],{"text":1055,"type":22,"marks":1056},"The deduction phases out for taxpayers with modified adjusted gross income over $75,000. ",[1057],{"type":129,"attrs":1058},{"color":12},{"type":18,"attrs":1060,"content":1061},{"textAlign":788},[1062],{"text":1063,"type":22,"marks":1064},"To qualify for this new deduction, the taxpayer must be aged 65 on or before the last day of the year. ",[1065],{"type":129,"attrs":1066},{"color":12},{"type":764,"attrs":1068,"content":1069},{"level":1009,"textAlign":788},[1070,1076],{"text":1071,"type":22,"marks":1072},"2.Social Security earnings test",[1073,1075],{"type":129,"attrs":1074},{"color":12},{"type":38},{"text":774,"type":22,"marks":1077},[1078],{"type":129,"attrs":1079},{"color":12},{"type":18,"attrs":1081,"content":1082},{"textAlign":788},[1083,1088,1097],{"text":1084,"type":22,"marks":1085},"Social Security applies an earnings test to beneficiaries who have not yet reached ",[1086],{"type":129,"attrs":1087},{"color":12},{"text":1089,"type":22,"marks":1090},"full retirement age",[1091,1094,1096],{"type":31,"attrs":1092},{"href":1093,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.unbiased.com/discover/retirement/what-is-full-retirement-age",{"type":129,"attrs":1095},{"color":12},{"type":829},{"text":1098,"type":22,"marks":1099}," (FRA), which is currently between 66 and 67, depending on your birth year.  ",[1100],{"type":129,"attrs":1101},{"color":12},{"type":18,"attrs":1103,"content":1104},{"textAlign":788},[1105],{"text":1106,"type":22,"marks":1107}," In 2026, beneficiaries who will not reach FRA until a later year have $1 withheld from their Social Security payment for every $2 in work income above $24,480. This is up from $23,400 in 2025.  ",[1108],{"type":129,"attrs":1109},{"color":12},{"type":18,"attrs":1111,"content":1112},{"textAlign":788},[1113],{"text":1114,"type":22,"marks":1115},"The earnings test eases in the year you reach your FRA: Social Security holds back $1 in benefits for every $3 in earnings above $65,160 (up from $62,160 in 2025). In the month when you reach FRA, the earnings test disappears.  ",[1116],{"type":129,"attrs":1117},{"color":12},{"type":764,"attrs":1119,"content":1120},{"level":1009,"textAlign":788},[1121,1127],{"text":1122,"type":22,"marks":1123},"3.Qualifying for Social Security ",[1124,1126],{"type":129,"attrs":1125},{"color":12},{"type":38},{"text":774,"type":22,"marks":1128},[1129],{"type":129,"attrs":1130},{"color":12},{"type":18,"attrs":1132,"content":1133},{"textAlign":788},[1134],{"text":1135,"type":22,"marks":1136},"To qualify for Social Security retirement benefits, you must have at least 40 Social Security credits.  ",[1137],{"type":129,"attrs":1138},{"color":12},{"type":18,"attrs":1140,"content":1141},{"textAlign":788},[1142],{"text":1143,"type":22,"marks":1144},"These credits are earned by doing work in which you pay Social Security taxes on your income. In 2026, you will earn one credit for earnings of $1,890, up $80 from 2025. This means you now have to earn more money to qualify for Social Security in retirement.  ",[1145],{"type":129,"attrs":1146},{"color":12},{"type":18,"attrs":1148,"content":1149},{"textAlign":788},[1150],{"text":1151,"type":22,"marks":1152},"You can earn a maximum of four credits a year, meaning it typically takes 10 years of paying Social Security taxes to become eligible.  ",[1153],{"type":129,"attrs":1154},{"color":12},{"type":764,"attrs":1156,"content":1157},{"level":766,"textAlign":788},[1158,1164],{"text":1159,"type":22,"marks":1160},"How are Social Security payment dates determined?",[1161,1163],{"type":129,"attrs":1162},{"color":12},{"type":38},{"text":774,"type":22,"marks":1165},[1166,1168],{"type":129,"attrs":1167},{"color":778},{"type":38},{"type":18,"attrs":1170,"content":1171},{"textAlign":788},[1172],{"text":1173,"type":22,"marks":1174},"Payment dates for Social Security benefits depend on the beneficiary’s birth date.   ",[1175],{"type":129,"attrs":1176},{"color":12},{"type":18,"attrs":1178,"content":1179},{"textAlign":788},[1180],{"text":1181,"type":22,"marks":1182},"The schedule is as follows:  ",[1183],{"type":129,"attrs":1184},{"color":12},{"type":781,"content":1186},[1187],{"type":784,"content":1188},[1189],{"type":18,"attrs":1190,"content":1191},{"textAlign":788},[1192,1198],{"text":1193,"type":22,"marks":1194},"Birth date between the 1st and 10th of the month:",[1195,1197],{"type":129,"attrs":1196},{"color":12},{"type":38},{"text":1199,"type":22,"marks":1200}," Payment on the second Wednesday of the month.  ",[1201],{"type":129,"attrs":1202},{"color":12},{"type":781,"content":1204},[1205],{"type":784,"content":1206},[1207],{"type":18,"attrs":1208,"content":1209},{"textAlign":788},[1210,1216],{"text":1211,"type":22,"marks":1212},"Birth date between the 11th and 20th of the month:",[1213,1215],{"type":129,"attrs":1214},{"color":12},{"type":38},{"text":1217,"type":22,"marks":1218}," Payment on the third Wednesday of the month.  ",[1219],{"type":129,"attrs":1220},{"color":12},{"type":781,"content":1222},[1223],{"type":784,"content":1224},[1225],{"type":18,"attrs":1226,"content":1227},{"textAlign":788},[1228,1234],{"text":1229,"type":22,"marks":1230},"Birth date between the 21st and 31st of the month:",[1231,1233],{"type":129,"attrs":1232},{"color":12},{"type":38},{"text":1235,"type":22,"marks":1236}," Payment on the fourth Wednesday of the month.  ",[1237],{"type":129,"attrs":1238},{"color":12},{"type":781,"content":1240},[1241],{"type":784,"content":1242},[1243],{"type":18,"attrs":1244,"content":1245},{"textAlign":788},[1246,1252],{"text":1247,"type":22,"marks":1248},"Those who began receiving benefits before May 1997 or individuals receiving both Social Security and Supplemental Security Income (SSI):",[1249,1251],{"type":129,"attrs":1250},{"color":12},{"type":38},{"text":1253,"type":22,"marks":1254}," Payment on the third of the month. ",[1255],{"type":129,"attrs":1256},{"color":12},{"type":18,"attrs":1258,"content":1259},{"textAlign":788},[1260,1265,1274],{"text":1261,"type":22,"marks":1262},"For 2026, the full list of exact dates these groups will receive payments is available ",[1263],{"type":129,"attrs":1264},{"color":12},{"text":1266,"type":22,"marks":1267},"here",[1268,1271,1273],{"type":31,"attrs":1269},{"href":1270,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.ssa.gov/pubs/EN-05-10031-2026.pdf",{"type":129,"attrs":1272},{"color":12},{"type":829},{"text":1275,"type":22,"marks":1276},".  ",[1277],{"type":129,"attrs":1278},{"color":12},{"type":764,"attrs":1280,"content":1281},{"level":766,"textAlign":788},[1282,1287],{"text":1283,"type":22,"marks":1284},"Get expert financial advice",[1285],{"type":129,"attrs":1286},{"color":12},{"text":774,"type":22,"marks":1288},[1289],{"type":129,"attrs":1290},{"color":778},{"type":18,"attrs":1292,"content":1293},{"textAlign":788},[1294],{"text":1295,"type":22,"marks":1296},"Staying informed about these updates and understanding their potential effects on your retirement will help you make the best decisions for your future.  ",[1297],{"type":129,"attrs":1298},{"color":12},{"type":18,"attrs":1300,"content":1301},{"textAlign":788},[1302,1307,1314],{"text":1303,"type":22,"marks":1304},"Let Unbiased match you with a ",[1305],{"type":129,"attrs":1306},{"color":12},{"text":820,"type":22,"marks":1308},[1309,1311,1313],{"type":31,"attrs":1310},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1312},{"color":12},{"type":829},{"text":1315,"type":22,"marks":1316}," for expert financial advice on how the 2026 Social Security changes might impact your long-term financial plans.  ",[1317],{"type":129,"attrs":1318},{"color":12},[1320],{"_uid":1321,"image":1322,"title":1327,"CTALink":12,"CTAText":51,"subtitle":12,"component":1341,"breadcrumbs":558,"showHeroImage":543},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1323,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1324,"copyright":12,"fieldtype":1325,"meta_data":1326,"is_external_url":543},124189592442558,"https://a.storyblok.com/f/185166/5184x3456/14b6cc46ef/medicare-2026-what-are-the-key-changes.jpg","asset",{},{"type":15,"content":1328},[1329],{"type":18,"attrs":1330,"content":1331},{"textAlign":34},[1332,1337],{"text":1333,"type":22,"marks":1334},"Social Security 2026: what are the key 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Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1353,"alt":12,"name":12,"focus":12,"title":12,"filename":1354,"copyright":12,"fieldtype":1325,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1368],{"_uid":1369,"body":1370,"title":1383,"component":1384},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1371,1375,1379],{"_uid":1372,"href":1373,"text":1374,"component":542,"openInNewWindow":558},"f39faad6-77b8-4e40-b531-11780d1801aa","https://www.unbiased.com/discover/retirement-investing/social-security-in-retirement-explained-everything-you-need-to-know","Social security in retirement",{"_uid":1376,"href":1377,"text":1378,"component":542,"openInNewWindow":558},"d8669748-9bc6-4b70-8a4e-ecbcc91e053d","https://www.unbiased.com/discover/retirement/improve-social-security-benefits","Improve Social Security benefits",{"_uid":1380,"href":1381,"text":1382,"component":542,"openInNewWindow":558},"afdfffa3-9a09-4f96-802d-dcbbac795726","https://www.unbiased.com/discover/retirement/social-security-cola","Social Security COLA","Related articles","app-links-list",{"_uid":1386,"title":1387,"plugin":1388,"og_image":12,"og_title":12,"description":1389,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"5408a94e-dd03-4283-97f0-d8a4e9738628","Social Security 2026: what are the key changes?  ","seo_metatags","Explore the key changes to Social Security in 2026 and what they mean for your income.  ",{"name":1343,"created_at":1344,"published_at":1345,"updated_at":1346,"id":1347,"uuid":1348,"content":1391,"slug":1359,"full_slug":1360,"sort_by_date":34,"position":1361,"tag_list":1393,"is_startpage":543,"parent_id":1363,"meta_data":34,"group_id":1364,"first_published_at":1365,"release_id":34,"lang":730,"path":34,"alternates":1394,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},{"job":1350,"_uid":1351,"name":1343,"image":1392,"component":1355,"education":1356,"expertise":1357,"description":1358},{"id":1353,"alt":12,"name":12,"focus":12,"title":12,"filename":1354,"copyright":12,"fieldtype":1325,"is_external_url":543},[],[],"app-article",[],[],[],"social-security-2026","discover/retirement/social-security-2026",-1120,[],365223437,"cb228b66-56ea-4e02-9369-c06ff129bfe4","2025-12-19T11:08:09.458Z",[],{"left":727,"top":727,"width":1408,"height":1408,"rotate":727,"vFlip":543,"hFlip":543,"body":1409},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1411,1414,1415],{"title":1412,"exact":558,"href":1413},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1416,"disabled":558},"/discover/retirement/social-security-2026",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1418},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1775983010667]