Technologies
2026 Social Security COLA Predictions: How Much More Money Will You Get Next Year?
What will the 2026 COLA be? Here’s what the experts are predicting.
As we near the official 2026 COLA announcement from the Social Security administration, recipients are wondering how much more they will receive in their monthly payments next year. We’re still a few months out before we have an official answer, but you don’t have to wait until the expected October announcement to get some insight.
Experts in the field have been making predictions for the 2026 COLA since the beginning of this year, and an initial prediction of a 2.1% bump next year has been followed by a slight shift upward month by month. Whether these expert takes will match the official number remains to be seen — especially with the economic uncertainty spurred by the Trump administration’s tariffs agenda — but we’ll break down the latest for you below.
I’ve been steeping myself in all things Social Security for the past year, writing timely articles that surface the most relevant details for existing and soon-to-be beneficiaries and their families. Even if, like me, you’re a long way from retirement, staying up to date with expert takes will keep you informed for when it’s time for you or your loved ones to retire. The COLA adjustment will be one of the most important announcements of the year.
For more, don’t miss the Social Security and SSDI cheat sheet.
What is the COLA?
The cost-of-living adjustment, otherwise known as the COLA or COLA increase, is an annual change in the payment scale made by the Social Security Administration. It’s pegged to the Consumer Price Index for Urban Wage Earners and Clerical Workers, which measures the average changes in prices for consumer goods and services and is updated monthly by the Bureau of Labor Statistics. These monthly snapshots in the changes to prices of goods and services allow the SSA to see the overall average and determine the COLA for the following year as a percentage of the current payment levels.
For Social Security and Supplemental Security Insurance recipients, the COLA percentage represents how much more you’ll receive in monthly benefits in the new year. It takes effect Jan. 1 and stays in effect for the calendar year.
The official COLA announcement typically takes place sometime in October.
Some are not happy with how the COLA is calculated
How the COLA is calculated has become a hot topic, given that the model sets the adjustment for the entire year ahead.
The Senior Citizens League, a nonpartisan advocacy group for older adults, last year conducted a study of 3,000 older adults. A key takeaway: 72% of respondents said that Congress should prioritize changing the COLA calculation to an index that’s more reflective of the changing expenses for seniors, like the CPI-E.
Government benefits that are affected by the COLA
There are multiple government benefits that use the COLA to make adjustments. In addition to Social Security, the adjustment applies to Social Security Disability Insurance and Supplemental Security Income, Medicare, Supplemental Nutrition Assistance Program to account for inflation when setting benefits.
Expert predictions for the 2026 COLA increase
The League provides monthly predictions of the upcoming COLA for the following year, and they were spot on for 2025, predicting a 2.5% COLA.
In January, the League predicted a 2.1% increase for 2026 and has adjusted that upward since then. In May 2025, the prediction was pushed to 2.4%. The prediction came after the recent executive order by the Trump administration, targeting pharmaceutical companies and pushing for cheaper drug costs.
Its latest prediction, released last month, bumped the COLA to 2.5%. Each prediction for the past four months has been raised slightly, and we may get a new prediction from The League any day now.
COLA Increases 2020 — 2025
COLA Increases 2020 — 2025
| Year | COLA Increase | % change vs. the previous year |
|---|---|---|
| 2025 | 2.50% | -0.70% |
| 2024 | 3.20% | -5.50% |
| 2023 | 8.70% | 2.80% |
| 2022 | 5.90% | 4.60% |
| 2021 | 1.30% | -0.30% |
| 2020 | 1.60% |
For more, don’t miss the Social Security and SSDI cheat sheet.
Technologies
Controversy Brews: US Government Targets Banning Top Wi-Fi Router
Federal departments and agencies are joining forces in an effort to ban TP-Link routers due to concerns about national security risks.
TP-Link routers might not be available for much longer in the US, according to a Washington Post report last week. A potential ban is looking increasingly likely, as more than half a dozen federal departments and agencies back the proposal,
The news first broke in December of last year, when The Wall Street Journal reported that investigators at the Departments of Commerce, Defense and Justice had all opened probes into the company due to national security risks stemming from its ties to China. Since then, news on the TP-Link front has been relatively quiet.
Now, the proposal has gained interagency approval.
Read more: I Asked 4 Cybersecurity Experts If They Would Still Use a TP-Link Router
Why are plans to ban TP-Link routers being pushed?
«Commerce officials concluded TP-Link Systems products pose a risk because the US-based company’s products handle sensitive American data and because the officials believe it remains subject to jurisdiction or influence by the Chinese government,» the Washington Post reported.
TP-Link’s ties to the Chinese government are only allegations. The company — technically called TP-Link Systems — has strenuously denied to me in the past that it’s a Chinese company.
«As an independent US company, no foreign country or government, including China, has access to or control over the design and production of our products,» a TP-Link spokesperson told CNET.
The history of the TP-Link routers
TP-Link was founded in Shenzhen, China, in 1996 by two brothers, Jeffrey (Jianjun) Chao and Jiaxing Zhao. In October 2024, two months after members of the House Select Committee called for an investigation into TP-Link routers, the company split into two: TP-Link Technologies and TP-Link Systems.
The latter is headquartered in Irvine, California, and has approximately 500 employees in the US and 11,000 in China, according to the Washington Post report. TP-Link Systems is owned by Chao and his wife.
«TP-Link’s unusual degree of vulnerabilities and required compliance with [Chinese] law are in and of themselves disconcerting,» the lawmakers wrote in October 2024. «When combined with the [Chinese] government’s common use of [home office] routers like TP-Link to perpetrate extensive cyberattacks in the United States, it becomes significantly alarming.»
The company has become a dominant force in the US router market since the pandemic. According to the Journal report, it grew from 20% of total router sales in 2019 to around 65% this year. TP-Link disputed these numbers to CNET, and a separate analysis from the IT platform Lansweeper found that 12% of home routers currently used in the US are made by TP-Link. More than 300 internet providers issue TP-Link routers to their customers, according to the Wall Street Journal report.
Why are TP-Link routers being investigated?
Separately, the Department of Justice’s antitrust division is investigating whether TP-Link engaged in predatory pricing tactics by artificially lowering its prices to muscle out competitors.
CNET has several TP-Link models on our lists of the best Wi-Fi routers and will monitor this story closely to see if we need to reevaluate those choices.
«We do not sell products below cost. Our pricing is not only above cost but contributes a healthy profit to the business,» a TP-Link spokesperson told CNET.
The potential ban has been through an interagency review and is currently in the hands of the Department of Commerce. According to the Washington Post report, sources familiar with the details of the ban said the Trump administration’s ongoing negotiations with China have made the chances of a ban less likely in the near future.
«Any concerns the government may have about TP-Link are fully resolvable by a common-sense mix of measures like onshoring development functions, investing in cybersecurity, and being transparent,» the spokesperson said. «TP-Link will continue to work with the US Department of Commerce to ensure we understand and can respond to any concerns the government has.»
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How worried should you be about your TP-Link router?
I wrote a few months ago that I wasn’t in any rush to replace my own TP-Link router, and that’s essentially how I still feel today.
When the news first broke last December, I asked four cybersecurity experts whether they would still use a TP-Link router. One gave a strong «no.» Another said there is «risk for a consumer.» And two declined to answer the question directly.
Itay Cohen was one of the authors of a 2023 report that identified a firmware implant in TP-Link routers linked to a Chinese state-sponsored hacking group. He told me in a previous interview that similar implants have been found on other router brands manufactured all over the world.
«I don’t think there’s enough public evidence to support avoiding routers from China outright,» Cohen said. «The vulnerabilities and risks associated with routers are largely systemic and apply to a wide range of brands, including those manufactured in the US.»
I heard a version of that from every cybersecurity expert I spoke with. TP-Link has security flaws, but so do all routers, and I couldn’t point to any that showed collaboration with the Chinese government specifically.
«We’ve analyzed an astonishing amount of TP-Link firmware. We find stuff, but we find stuff in everything,» said Thomas Pace, CEO of cybersecurity firm NetRise and former security contractor for the Department of Energy.
That said, it’s entirely possible that the government is aware of vulnerabilities that the public is not.
For now, I’m still comfortable using a TP-Link router knowing I follow some basic best practices for network security, but my risk tolerance may be higher than it is for others.
How to protect your network if you have a TP-Link router
If you’re one of the millions of Americans who uses a TP-Link router, the news of a potential ban might be unnerving.
A Microsoft report from last year found that TP-Link routers have been used in «password spray attacks» since August 2023, which typically occur when the router is using a default password.
Here’s what you can do to protect yourself right now:
Update your login credentials. A shocking amount of router attacks occur because the user never changed the default login credentials set by the router manufacturer. Most routers have an app that lets you update your login credentials, but you can also type your router’s IP address into a URL. These credentials are different from your Wi-Fi name and password, which should also be changed every six months or so. As always with passwords, avoid common words and character combinations, longer passwords are better and don’t reuse passwords from other accounts.
Use a VPN. If you’re worried about prying eyes from the Chinese government or anyone else, the single best thing you can do to ensure your connection remains private is to use a quality VPN. Privacy-minded folks should look for advanced features like obfuscation, Tor over VPN and a double VPN, which uses a second VPN server for an added layer of encryption. You can even install a VPN on your router directly so that all your traffic is encrypted automatically.
Turn on the firewall and Wi-Fi encryption. These are typically on by default, but now is a good time to make sure they’re activated. This will make it harder for hackers to access the data sent between your router and the devices that connect to it. You can also find these settings by logging into your router from its app or website.
Consider buying a new router. I always recommend buying your own router instead of renting one from your internet service provider. This is mostly a cost-saving measure, but if your ISP uses TP-Link equipment, now might be a good time to switch to another brand. The main thing to look for is WPA3 certification — the most up-to-date security protocol for routers.
Update your firmware. TP-Link’s spokesperson told me last year that customers should regularly check for firmware updates to keep their router secure. «To do this, customers with TP-Link Cloud accounts may simply click the ‘Check for Updates’ button in their product’s firmware menu,» the spokesperson said. «All other customers can find the latest firmware on their product’s Downloads page on TP-Link.com.»
Technologies
Today’s NYT Mini Crossword Answers for Saturday, Nov. 8
Here are the answers for The New York Times Mini Crossword for Nov. 8.
Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.
Need some help with today’s Mini Crossword? It’s the long Saturday one, so you might need assistance. Read on for the answers. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.
If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.
Read more: Tips and Tricks for Solving The New York Times Mini Crossword
Let’s get to those Mini Crossword clues and answers.
Mini across clues and answers
1A clue: Uber alternative
Answer: CAB
4A clue: Red-headed character in the «Scooby-Doo» franchise
Answer: DAPHNE
7A clue: Not arrive on time
Answer: RUNLATE
8A clue: Label on a green U.S.D.A. sticker
Answer: ORGANIC
9A clue: Prestigious engineering school in Pasadena
Answer: CALTECH
10A clue: Prepares to be knighted
Answer: KNEELS
11A clue: Parts of a city grid: Abbr.
Answer: STS
Mini down clues and answers
1D clue: Fashion brand with an interlocking «C» logo
Answer: CHANEL
2D clue: Silly behaviors
Answer: ANTICS
3D clue: Tree with smooth gray bark
Answer: BEECH
4D clue: Kevin ___, 15-time N.B.A. All-Star
Answer: DURANT
5D clue: They’re measured in degrees
Answer: ANGLES
6D clue: Division of the earth’s crust
Answer: PLATE
7D clue: Ice, in bartending lingo
Answer: ROCKS
Technologies
Spotify Brings Wrapped Energy Year-Round With Friend-Sharing Stats
The music service introduced new ways for music nerds to share their listening habits with friends.
It can be a long wait for Spotify Wrapped, the end-of-year promotion that allows Spotify users to view and share their listening habits. Now, users can keep an eye on those stats daily, plus share their listening habits with friends.
You can view your Spotify usage statistics every 24 hours and share your updates via social media services, such as Instagram Notes or Spotify Messages. The new share icon gives you access to eight different services where you can post your stats.
Every week, you’ll get updates on your top artists and songs from the past month, and Spotify will recommend new playlists. The app also gives you a «special highlight» based on a specific artist or song.
To access your personal musical data, click on your profile in the top left corner of the app and scroll down to «listening stats.»
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The new features are somewhat similar to Spotify Wrapped, the service’s annual end-of-year review of users’ listening habits, which is designed to be shared. Every year, Spotify adds extra details to Wrapped, such as assigning users a listening personality or a city that supposedly reflects their music tastes. It’s been the most popular way for Spotify users to view and share their music listening in the past. A number of third-party services do the same thing, including Volt.fm.
Read more: Best Music Streaming Services
Spotify is the world’s largest music streaming service, offering 100 million tracks and serving more than 713 million users. In addition to its $12-per-month subscription service, Spotify also offers a free, ad-supported option.
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