Social Security and inflation: What the CPI means for you

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Social Security and inflation: What the CPI means for you
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The CPI-W, the index that the annual cost of living adjustments (COLA) are based on, jumped 9.1% in July from a year earlier, faster than the estimate for the broader headline figure.

It says something that we are now celebrating an annual inflation figure of “only” 8.5%. The latest rise in the official consumer-price index, off the charts compared to what was normal just a few years ago, is nonetheless well below Wall Street forecasts. Stocks and bonds have both jumped as a result.

Based on the latest numbers, analysts at the Senior Citizens’ League calculate that the next COLA for Social Security is likely to come in at 9.6%, equal to an extra $159 a month for a beneficiary on an average benefit of $1,656 per month. The adjustments will be based on the average change in prices between this year’s third quarter and last year’s third quarter: In other words, the average prices for July, August and September of 2022 compared to the average prices for those 3 months in 2021.

The adjustments will be more than welcome for seniors, who have been hit badly by the recent surge in inflation.

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