Social Security COLA Update 2025: What Retirees, Disabled Beneficiaries, and Early Claimants Need to Know About the New Cost-of-Living Adjustment, Payment Increases, Eligibility Impacts, Inflation Predictions, and How the 2025 Policy Changes Could Affect Monthly Checks Across the Country

The 3.2% Social Security cost-of-living adjustment (COLA) scheduled for 2025 arrives at a moment when millions of beneficiaries are grappling with persistent inflation. While the increase appears reasonable, its impact is mixed because rising costs in essentials like housing, healthcare, food, and energy continue to erode purchasing power. For many retirees, disabled workers, and survivors, even a seemingly substantial bump can be overshadowed by everyday financial pressures.

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