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2026 Social Security – Changes You Should Know - US SUN
Social Security is an ever-evolving program, with certain changes automatically implemented every year. These changes are automatic and generally are based upon several government measurements, such as the Consumer Price Index and the Average National Wage Index, among others. Most people know about the annual Cost of Living Adjustment (COLA) which adds to their monthly payment, but there are also other changes which may catch the uninformed.
Social Security also has an earnings limit for those who collect early SS benefits, and that limit changes annually. The Annual Earnings Test (AET) limit for 2026 goes up to $24,800 (from $23,400), but if your work earnings exceed the limit, Social Security will take away some of your benefits. Also, the payroll tax cap (the maximum amount of your earnings taxed for Social Security purposes) is going to $184,500 (from $176,100), which means you will be contributing more to the Social Security program next year if your earnings are higher.
All of this is explained in this article by Jacob Willeford in the U.S. SUN.
If you’re unsure about how these basics apply to you, or if you have any questions about your individual situation under Social Security, note that the AMAC Foundation provides a free-to-the-public advisory service to help Americans navigate the complexities of this program. All questions are answered quickly, at no charge. Learn more about it here…