2026 Key Social Security Changes for Retirees

Published by Averee Martinez on

COLA is 2.8%, about $56 more monthly for the average retired worker, or around $672 yearly.
Medicare Part B premiums ↑about $21 monthly, leaving a typical net benefit ↑around $35 a month.
Early-claim earnings test: $1 withheld per $2 over the limit; 2026 limit ↑$1,080 to ~$24,480.
Withheld benefits aren’t lost; they return as higher monthly payments after full retirement age.
Payroll tax cap ↑$8,400 to $184,500, bringing more revenue to help keep Social Security funded.

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