How COLA Is Calculated By Social Security

How COLA Is Calculated By Social Security

How COLA Is Calculated By Social Security

How does Social Security calculate the COLA

What s the Cost of Living Adjustment for Social Security

Your Social Security payment typically is to ensure that the purchasing power of benefits is not eroded by rising prices. This cost-of-living adjustment, or COLA, tracks using a government measure of consumer prices for a variety of household goods and services. Benefits go up if there is a measurable increase (at least 0.1 percent) in this price index from year to year. For 2023, the , boosting the average benefit for a retired worker by $146 a month starting in January. That rise, fueled by a in the wake of the COVID-19 pandemic, is the largest since 1981. The COLA was , 1.3 percent in 2021 and 1.6 percent in 2020.

Keep in mind

A COLA increase is not guaranteed. If there is no inflation in a given year, there will be no cost-of-living adjustment to benefits the following year. This has happened a handful of times, most recently in 2016.
When there is a cost-of-living increase, you might not see all of it in your benefit payment. If your Medicare Part B premiums are , as is the case with 70 percent of Part B enrollees, a Medicare rate increase could However, 2023's large COLA increase will be accompanied by a rare . Updated October 13, 2022

More on Social Security Benefits

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