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Michael Knox

How to Plan for Social Security in 2026's Changing Landscape, From a Financial Professional

Social Security SEC

(Image credit: Getty Images)

Whether it's being aware of your full retirement age, understanding spousal or survivorship benefits or just being aware of the annual cost-of-living adjustment (COLA), Social Security is complex. The social insurance program is also facing a few changes in 2026.

Starting in January, about 71 million beneficiaries will see a 2.8% COLA increase on benefits. This is expected to increase monthly benefits by an average of $56.

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