Tipswatch.com, updated Oct. 24, 2025
The Social Security cost-of-living adjustment is based on an unusual inflation index – CPI-W – and is determined by averaging the indexes for July, August and September and comparing that number to the same average for the year before.
For payments in 2026, the cost-of-living adjustment will rise 2.8%, less than official U.S. inflation for the September-to-September period.
More information:
— Does The Social Security COLA Shortchange Seniors?
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