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October 17.2025

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Government Shutdown Delays Social Security COLA Increase: What Seniors Should Know

Social Security building illustrating cost-of-living adjustment concept

Government Shutdown Delays Critical Social Security Announcement

The ongoing government shutdown in Washington has created a ripple effect that extends to millions of Americans relying on Social Security benefits. As the government grapples with budget impasses, the announcement of the annual cost-of-living adjustment (COLA) for Social Security has been pushed back from its original date. Originally scheduled for October 18, the announcement will now occur on October 24, pending the release of the September Consumer Price Index (CPI).

The Impact of Delayed Announcements on Seniors

This postponement affects approximately 70.6 million beneficiaries, including retirees, people with disabilities, and their families. Many older Americans are anxious about the expected COLA increase, which is projected to be around 2.7%, as their daily expenses continue to rise. The COLA is crucial for maintaining financial stability for many seniors who rely on these benefits as their primary source of income.

Higher Living Costs and Adjustments Needed

Reports from advocacy organizations, such as the Senior Citizens League and AARP, reveal rising concerns that the current COLA fails to adequately address the increasing costs of living faced by seniors, particularly healthcare. Retired nurse Sue Conard, who actively advocates for to revise how the COLA is calculated, has noted deficiencies in the current CPI index that don’t reflect older generations’ spending habits, especially in areas critical to their wellbeing.

Alternatives Being Discussed

There have been legislative efforts to transition the COLA calculation to a more appropriate index known as the Consumer Price Index for the Elderly (CPI-E), which could better reflect the costs associated with things like healthcare, food, and medicine. However, it remains to be seen whether lawmakers will take the necessary steps to implement such changes quickly enough to benefit those most affected during this ongoing shutdown.

What You Can Do

As discussions linger and financial uncertainty prevails for many older Americans, now is an essential time to prepare for your Social Security needs. Whether you're nearing retirement or have loved ones relying on these benefits, understanding how to navigate the Social Security system can provide peace of mind. For residents in Muskegon, you can learn how to apply for Social Security benefits online and determine the best time to file. Preparing the necessary documentation now can save time and avoid issues down the line.

Retirement and Financial Security

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Government Shutdown Delays Social Security COLA Increase: What Seniors Should Know

Government Shutdown Delays Critical Social Security Announcement

The Impact of Delayed Announcements on Seniors

Higher Living Costs and Adjustments Needed

Alternatives Being Discussed

What You Can Do

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