Gardberg & Kemmerly, Attorneys at Law

11/17/2025

Learn how SSDI and SSI benefits differ and how they work to help disabled workers.

"And am I eligible?"

11/14/2025

Celebrating 40 Years — Thank You, Mobile!

As we prepare to celebrate our 40th anniversary, we wanted to say something straightforward: Thank you, Mobile.

For four decades, this community has trusted us to serve, support, and stand beside them. It has been our honor to continue this tradition.

From day one to year forty, your faith in our work has been the foundation of our success. We are proud to call Mobile home, and we look forward to many more years of serving this incredible community. And focusing on helping those in need of help with their disabilities.

Thank you for being part of our story.

11/12/2025

Share with those in need.

11/11/2025

11/08/2025

We know that dealing with the Social Security Administration (SSA), can be frustrating. Be sure to open any and all mail. Make sure you are aware of each deadline. If you need help, please don't hesitate to call us. We offer free case evaluations, a service we have provided since 1986.

10/29/2025

Social Security Recipients to Receive 2.8% Cost-of-Living Adjustment in 2026

The Social Security Administration (SSA) has announced a 2.8% Cost-of-Living Adjustment (COLA) for 2026, providing a welcome increase for millions of Americans who rely on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

At Gardberg & Kemmerly, Attorneys at Law, we understand how vital these benefits are to our clients. Even modest increases can make a meaningful difference for individuals and families living on fixed incomes.

What the 2026 COLA Means

Beginning in January 2026, monthly Social Security payments will automatically rise by 2.8%. This adjustment helps recipients keep pace with inflation and rising costs for everyday essentials such as food, housing, and medical care. For example, a beneficiary currently receiving $1,500 per month will see their benefit increase to approximately $1,542. This change will happen automatically—no action is required by recipients to receive the higher amount.

How COLA Is Determined

Each year, the SSA calculates the COLA based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). When inflation drives up living costs, the COLA ensures Social Security benefits maintain their real-world value. These annual adjustments are especially important for individuals living with disabilities, many of whom face fixed incomes and ongoing medical or living expenses.

What Beneficiaries Should Know

While the 2026 COLA is good news, it’s important to remember that any increase in benefit amount may affect eligibility for certain needs-based programs, including Medicaid or SNAP. Reviewing your benefits with a knowledgeable disability attorney can help ensure that you continue to receive the support you deserve.

About Gardberg & Kemmerly

Founded in 1986, Gardberg & Kemmerly, Attorneys at Law has spent nearly four decades representing individuals across the Gulf Coast in Social Security Disability and Veterans Disability claims. Our experienced attorneys are dedicated to helping clients secure the benefits they’ve earned and depend on. If you have questions about your disability benefits, contact Gardberg & Kemmerly today for a free consultation.

10/23/2025

Judge Wright is making a difference in her courtroom for those with mental health issues. Thank you!

There are efforts are underway in Mobile County to fix a failed part of the criminal justice system - one that traps people with serious mental illness and cost

10/17/2025

3 helpful steps to remember when applying for disability benefits.

10/17/2025

What a great day to be celebrated!

10/15/2025

The puppies are here! The City of Mobile Animal Services!!! Come play and love on these fur babies. All are available for adoption. Martin Miller