Social Security Announces New Cos
A Raise With Conditions
Millions of Social Security recipients will see higher checks in January 2026,
as a 2.8% COLA applies to more than 70 million Americans. On paper, it looks like good news.
What the Increase Means
An average retired worker will get about $56 more per month, raising benefits to roughly $2,071.
For those on fixed incomes, “that’s not nothing,” helping cover groceries, gas, or a co-pay.
Why It Falls Short
The problem is that “inflation doesn’t hit everyone equally.”
Essentials like food, rent, and healthcare often rise faster than the index used for COLA,
causing many seniors to see the increase vanish into higher premiums and bills.
A Fragile Lifeline
The adjustment is “a lifeline—but a fragile one.”
Beneficiaries are encouraged to plan carefully, review December notices,
and use trusted resources to protect every dollar.
