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Claims are circulating about a $5,150 Social Security payment for seniors in January 2026, but what does this figure really represent? In this video, we break down where the number comes from, how Social Security benefit amounts are calculated, and whether this payment refers to maximum benefits, combined payments, retroactive adjustments, or projected scenarios — not a universal payout. We cover: How Social Security payments are determined for 2026 What situations could result in a $5,150 total payment The difference between maximum benefits and average checks How COLA, delayed retirement credits, and spousal benefits factor in What seniors should realistically expect — and what to watch out for This video separates verified facts from viral claims so you can plan with confidence. 👉 Subscribe for accurate Social Security updates, payment analysis, and senior benefit guidance. #SocialSecurity #SeniorBenefits #SSAUpdate #RetirementNews #COLA2026 #PaymentUpdate