Every year, Social Security is eligible for a COLA. When inflation remains flat, Social Security benefits remain flat. When there's a decrease in inflation from one year to the next, Social Security benefits also remain flat.

There's Supplemental Security Income (SSI), as well. This is a monthly benefit for the blind, disabled, and low-income seniors. The maximum federal benefit is $967 for a single adult and $1,450 for a couple and increases annually with the COLA. In addition, some states supplement SSI benefits for their residents.

As summer winds down, retirees and Social Security recipients shift their focus toward 2026—especially the upcoming Cost-of-Living Adjustment (COLA). Although the official announcement won’t arrive until October 2025,