11/27/2025
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CMC Summary: The 6 Biggest Social Security Changes Coming in 2026
What families, caregivers, and aging-care providers need to know
Significant updates to Social Security and Medicare are coming in 2026 โ changes that will impact older adultsโ monthly income, medical costs, and long-term financial planning. With more than 70 million beneficiaries depending on Social Security, staying informed is essential for families and care providers supporting aging loved ones.
Here are the key shifts to watch:
1. COLA Increase (+2.8%)
Inflation pushed the 2026 Cost-of-Living Adjustment (COLA) to 2.8%, raising the average retirement benefit by about $56 per month. This applies to retirement, disability, survivor benefits, and SSI. While helpful, many older adults still feel it may not keep pace with rising costs.
2. Medicare Part B Premiums Rising
Standard Medicare Part B premiums will jump from $185 to $202.90, reducing the impact of the COLA increase. Most older adults will see this amount deducted directly from their Social Security payments.
3. Higher Earnings Subject to Social Security Tax
Workers will pay Social Security taxes on income up to $184,500 (up from $176,100). This affects high-earning adults and caregivers who are still in the workforce.
4. New Tax Break for Adults 65+
A new deduction of up to $6,000 will reduce taxable income for millions of older Americans, helping offset taxes on Social Security benefits. This starts in 2026 and continues through 2028.
5. Updated Earnings Test Limits
For those who collect benefits before full retirement age and still work, Social Security may withhold part of their payments if they exceed the new income thresholds. These limits increase in 2026, allowing slightly more earnings before reductions apply.
6. Higher Work Credits Requirement
Workers qualify for Social Security by earning โcredits.โ In 2026, one credit requires $1,890 in earnings โ meaning youโll earn the maximum four credits after earning $7,560 for the year.
๐ก Why this matters for families & facilities
These changes will shape income stability, healthcare affordability, and care decisions for older adults. Understanding them early helps families plan better and helps facilities, senior-care providers, and community partners offer more informed guidance to the people they serve.
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