2026 Social Security Payments: Key Information for ITIN Holders
The Social Security cost-of-living adjustment rose 2.8 percent in January 2026. Millions of Massachusetts families will see higher monthly checks.
2026 benefit amounts published by the SSA
The Social Security Administration released average and maximum figures for 2026. These numbers apply to retirement, disability, and survivor benefits.
| Benefit type | Average amount (2026) | Notes / Maximums |
|---|---|---|
| Retirement (average) | $2,071 / month | Max at full retirement age: $4,152 / month |
| Retire early (age 62) | $2,969 / month (max) | Reduced for early claiming |
| Delay to age 70 | $5,181 / month (max) | Increases due to delayed credits |
| Disability (SSDI) | $1,630 / month | Qualification tied to work history |
| Survivor (widow/widower) | $1,919 / month | Parent with two dependents: $3,898 / month |
| Retired couple (both) | $3,208 / month (combined) | Average combined benefit |
Supplemental Security Income (SSI)
SSI is a separate federal program for low-income seniors and disabled people. Eligibility does not depend on prior Social Security taxes paid.
The federal SSI maximums for 2026 are $994 for individuals. Couples may receive up to $1,491 per month federally.
Massachusetts adds a state supplement to SSI. Residents can receive more than the federal base.
Asset limits remain strict. Individuals may not have more than $2,000 in countable resources, and couples $3,000.
Work credits and earning requirements
To qualify for retirement benefits, a worker generally needs 40 Social Security credits. That equals roughly ten years of covered employment.
In 2026, each credit equals $1,890 in earnings. You can earn up to four credits per year.
What ITIN holders should know
Many immigrants use an ITIN to file federal taxes. The ITIN is issued by the IRS for tax reporting, not for claiming Social Security benefits.
ITIN holders who pay Social Security and Medicare taxes usually cannot claim benefits. The SSA issues Social Security numbers only to citizens and noncitizens with DHS work authorization.
If an ITIN holder later obtains a Social Security number, they can request credit transfer. Bring tax records filed with the ITIN, the new SSN card, and identification to the SSA.
A representative will review records and, if eligible, transfer work credits. This transfer can affect future benefit amounts.
Qualification thresholds
The substantial gainful activity threshold for SSDI in 2026 is $1,690 per month. A disabling condition must prevent earnings above that level to qualify.
Where to get help in Massachusetts
Massachusetts has 30 Social Security offices statewide. The SSA office locator lists several locations with phone numbers.
- Lawrence: 439 South Union St., Suite 106A — 877-669-3127
- Lynn: 140 Union St. — 866-366-7792
- Lowell: 151 Warren St., Suite 300 — 877-746-9850
- Roxbury (Boston): 10 Malcolm X Blvd. — 855-278-4195
- Dorchester (Boston): 115 Freeport St. — 866-931-2550
- Springfield: 70 Bond St. — 866-964-5061
- Worcester: 51 Myrtle St. — 866-331-9069
- Holyoke: 200 High St., Floor 2 — 877-480-4989
You can also call the national SSA line at 1-800-772-1213. The line offers Spanish service, Monday through Friday, eight a.m. to seven p.m.
Create a My Social Security account at ssa.gov/myaccount. The online portal shows credits, benefit estimates, and SSA tax forms.
For immigration-related questions, consult the SSA or a local legal aid organization. Professional advice helps avoid mistakes affecting benefits.
Filmogaz.com reports these figures and guidance to help readers understand 2026 Social Security payments and what ITIN holders need to know. Use the SSA as the definitive source for final determinations.
