In 2026, retirees in certain states will experience a more substantial Social Security raise compared to others. This disparity arises from the varying average Social Security checks across different states, influenced by factors such as higher 35-year earnings records. The top five states for the largest Social Security increases in 2026 are Connecticut, New Jersey, New Hampshire, Delaware, and Maryland. These states boast the highest average Social Security benefits, with Connecticut leading the pack at $2,251 per month, followed by New Jersey at $2,245, New Hampshire at $2,238, Delaware at $2,225, and Maryland at $2,193. The median benefit amounts are similarly impressive, with Connecticut at $2,210, New Jersey at $2,226, New Hampshire at $2,174, Delaware at $2,192, and Maryland at $2,136. When the 2.8% cost-of-living adjustment (COLA) is applied, these states will see a significant increase in their average Social Security benefits. For instance, Connecticut's average benefit will rise by approximately $63 per month, New Jersey's by $63, New Hampshire's by $63, Delaware's by $62, and Maryland's by $61. In contrast, the national average increase will be around $56 per month, resulting in a yearly raise of $672. This disparity highlights the importance of considering state-specific averages when planning retirement budgets, as the benefit amount is tied to one's highest 35 years of earnings. It's crucial to check your 'my Social Security' account to determine your exact benefit amount and plan your budget accordingly.
