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

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

Today’s NYT Mini Crossword Answers for Thursday, July 17

Here are the answers for The New York Times Mini Crossword for July 17.

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.

I breezed through today’s Mini Crossword. There’s a little something for everyone. Birders will appreciate 3-Down while musicians will immediately know the answer to 6-Down. Read on for an assist with today’s Mini Crossword. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

The Mini Crossword is just one of many games in the Times’ games collection. 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: Workout facilities
Answer: GYMS

5A clue: Pipe dream? Just the opposite!
Answer: LEAK

6A clue: In good spirits
Answer: JOLLY

7A clue: Up to the task
Answer: ABLE

8A clue: Headache-inducing situation
Answer: MESS

Mini down clues and answers

1D clue: Boston newspaper
Answer: GLOBE

2D clue: TALKS LIKE THIS
Answer: YELLS

3D clue: Mallard ducks with green heads, e.g.
Answer: MALES

4D clue: Drone’s zone
Answer: SKY

6D clue: Rock out
Answer: JAM

Technologies

WeTransfer Backtracks on AI File Training After Backlash: What You Need to Know

The company has updated the changes to its policies after some users objected to new terms.

WeTransfer, the service that allows users to send large files to others, is explaining itself to clients and updating its terms of service after a backlash related to training AI models.

The company published a blog post, «WeTransfer Terms of Service — What’s Really Changing,» that details more updates the company made to its policies, after users noticed that recent changes seemed to suggest WeTransfer was training AI models on the files users are transferring.

In the blog post, the company says: «First things first. Your content is always your content.»

The post goes on to say, «We don’t use machine learning or any form of AI to process content shared via WeTransfer.» WeTransfer explains that its use of AI would be to improve content moderation and enhance its ability to prevent the distribution of harmful content across its platform.

The company adds that those AI tools aren’t being used and haven’t been built yet. «To avoid confusion,» it says, «we’ve removed this reference.»

A representative for WeTransfer did not immediately return an email seeking further comment.

The backlash over the terms prompted users such as political correspondent Ava Santina to write on X, «Time to stop using WeTransfer who from 8th August have decided they’ll own anything you transfer to power AI.»

What this means for users

Anxieties are high about what information users share or store in services such as social media accounts is accessed by companies to train AI models. WeTransfer may be used for highly sensitive file transfers, raising fears that private information might be accessed by AI. According to the company, this isn’t the case.

To further explain, the company said in its post:

«YES — Your content is always your content. In fact, section 6.2 of our Terms of Service clearly states that you ‘own and retain all right, title, and interest, including all intellectual property rights, in and to the Content’.»
«YES — You’re granting us permission to ensure we can run and improve the WeTransfer service properly.»
«YES — Our terms are compliant with applicable privacy laws, including the GDPR.»
«NO — We are not using your content to train AI models.»
«NO — We do not sell your content to third parties.»

When the Terms of Service change

While eagle-eyed experts understood the potential implications of what WeTransfer’s new terms could mean for people using the service, it’s unlikely that most people would be able to spot such changes.

«Expecting users to fully understand Terms of Service is unrealistic. These documents are often too complex to navigate,» says Haibing Lu, associate professor at the Leavey School of Business at Santa Clara University.

Lu told CNET that companies would do well to clearly highlight any changes they make to AI-related terms and explain them clearly to give people a real choice. «That’s what true transparency looks like,» Lu says. «Companies are increasingly risking backlash when they update Terms of Service to include AI, especially when users’ data is involved.»

Companies including Adobe, Slack and Zoom have had similar issues with terms changes related to AI, but it’s not just AI that’s the problem, Lu says — rather, it’s the lack of transparent communication.

In the case of WeTransfer, Lu says the company’s response, including revising the terms and blogging about them, «was a smart move and helped rebuild trust. It showed they were listening and willing to act fast.»

WeTransfer could include more understandable language in its terms, or communicate the changes better or sooner, Lu says, adding: «Transparency shouldn’t start after a backlash.»