Important 2026 Numbers to Know

Here are several important 2026 figures for people approaching retirement:

Social Security COLA: 2.8%
Earnings limit if under FRA all year: $24,480
Withholding rule: $1 withheld for every $2 earned above that limit
Earnings limit during the year you reach FRA: $65,160 before your FRA month
Withholding rule that year: $1 withheld for every $3 above the higher limit
Standard Medicare Part B premium: $202.90 per month
First 2026 IRMAA threshold: Above $109,000 for individual filers or $218,000 for married couples filing jointly

These numbers do not determine when you should claim. They identify issues that may need to be included in your decision.

Annual amounts change, so always verify the year before relying on a number.

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Important 2026 Numbers to Know