1. COLA: The Raise That Barely Feels Like a Raise
Every year, benefits get a cost-of-living adjustment (that’s what COLA stands for). It’s supposed to help checks keep pace with inflation. In 2025, the increase is 2.5%.
Now, let me put that into perspective. Last year, the bump was bigger because inflation was hotter. This year, 2.5% means the average retiree check goes from $1,927 to about $1,976. That’s like $50 more a month. It’s not life-changing, but for someone on a fixed income, that can mean groceries for a week, a couple of utility bills, or even just a little cushion to breathe easier.
I know some people roll their eyes at these small raises—especially when things like Medicare premiums creep up at the same time, eating into the gain. But still, it’s something. And the important part is: benefits don’t stay frozen. They move (at least a little) with the economy.
