2026 Public Benefit Updates
What Individuals and Families Need to Know in 2026
In 2026, individuals with disabilities will encounter important updates to Social Security, ABLE accounts, and other related benefit programs that may impact their financial planning and eligibility for various services. Here’s what individuals and families need to know.
1. Social Security Changes
Cost-of-Living Adjustment (COLA)
Social Security benefits will increase by 2.8% in 2026 to help offset inflation. For SSDI recipients, this means a modest boost in monthly payments starting in January. The maximum monthly federal SSI payment for an eligible individual will rise to $994, up from $967 in 2025. These changes aim to provide some relief, but individuals should review their budgets carefully, as rising healthcare costs and Medicare premiums may offset part of the increase.
SSI Income Limits
Monthly income limits for SSI eligibility remain important: the first $20 of unearned income and $65 of earned income per month are excluded when calculating eligibility.
Asset Limits for SSI
Asset limits remain at $2,000 for individuals and $3,000 for couples, but savings in an ABLE account (up to $100,000) do not count against SSI or Medicaid eligibility.
2. ABLE Accounts
Expanded Eligibility
Starting in 2026, individuals whose disability began before age 46 can open an ABLE account (up from age 26), making millions more eligible.
Contribution Limit
The annual contribution limit will increase to $20,000, tied to IRS gift tax exclusion adjustments.
Qualified Disability Expenses (QDEs)
Funds can be used for housing, healthcare, education, transportation, and personal support services—without jeopardizing benefits. Review our blog introducing ABLE accounts here to learn more.
3. Other Benefits and Updates
Medicare Premiums
Part B premiums are expected to rise to $202.90 per month, which may offset some of the COLA increase. Consider applying for the Medicare Savings Program to help reduce costs—check your eligibility and apply online at Washington Connections.
Work Incentives
Programs like Ticket to Work remain available, helping individuals with disabilities explore employment without immediately losing benefits.
How to Plan for 2026
Stay Informed: Check updates from SSA, ABLE National Resource Center, and your state’s ABLE program.
Consult Experts: Work with a case manager, social worker, or your hospital’s financial services team—professionals who understand disability benefits and can guide you through the process.
Review Health Coverage: Understand how Medicaid and other benefits fit into your plan.
Ready to take the next step?
Work with one of our case managers who understand disability benefits and can help you navigate the process with confidence.