3 Changes to Social Security in 2026 — Are You Prepared?

Social Security in 2026 just changed in 3 major ways — and most retirees only know about 1 of them. The 2026 COLA is 2.8% (up from 2.5% in 2025). That sounds like good news. But Medicare Part B premiums jumped to $185/month, and IRMAA surcharges are hitting more seniors than ever. For millions of retirees, the "raise" is actually a net pay cut. In this video, I break down: → The REAL math behind your 2026 Social Security check → The new earnings test limits if you're working while collecting ($24,480 under FRA) → Why Medicare is quietly eating your COLA (and what to do about it) → Form SSA-44 — the appeal most retirees have never heard of → The IRMAA bracket creep that's pushing more seniors into premium penalties ⏱️ TIMESTAMPS: 0:00 — The 3 changes you need to know 1:15 — 2026 COLA breakdown: $56/month average increase 3:40 — Earnings test limits: $24,480 (under FRA) / $65,160 (FRA year) 6:20 — Margaret's story: When extra work costs you your check 8:45 — Change #3: Medicare Part B $185/month + IRMAA trap 12:10 — The hidden math: Why your net check may SHRINK 👤 WHO THIS IS FOR: Retirees already collecting Social Security Pre-retirees planning to file in 2026 Seniors working part-time while on benefits Adult children helping parents navigate Medicare costs ⚠️ DISCLAIMER: This video is for informational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for your specific situation. #SocialSecurity #RetirementPlanning #Medicare #COLA #IRMAA