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Collecting Social Security? These 2026 changes could affect your money

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A delayed cost-of-living adjustment grabbed headlines, but four other Social Security updates could affect retirees and future claimants alike. Roughly 75 million Americans will receive a 2.8% boost to their income in 2026, thanks to the upcoming cost-of-living adjustment for Social Security benefits and Supplemental Security Income (SSI) payments. But other changes afoot to the program will affect people who are still working, without a glint of retirement yet in their eyes.