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flag Social Security's 2026 COLA is projected at a low 2.4%, subject to change based on inflation.

flag The 2026 Social Security cost-of-living adjustment (COLA) is projected to be the lowest in five years, at 2.4%. flag This adjustment, which helps beneficiaries keep pace with inflation, could change based on future inflation rates. flag If tariffs increase the cost of imported goods, the COLA estimate may rise. flag The final COLA for 2026 will be announced by the Social Security Administration in October.

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