The 2025 Social Security Cost-of-Living Adjustment (COLA) of 2.5 percent may seem like a welcome boost for retirees, but it’s important to set the record straight.

Many misconceptions exist around the COLA. People often discuss this important concept incorrectly. And the first step to getting seniors the fair adjustments they deserve is to understand the true nature of this topic.

A Couple Key Points About Social Security COLAs

First, the COLA is not a gift or an act of charity. It’s something seniors have earned through decades of hard work and contributions. Social Security benefits are a vital part of financial security for retirees, and the COLA is designed to help those payments keep pace with inflation. Retirees deserve this adjustment — it’s not something being handed out without merit.

Second, and perhaps more importantly, the COLA isn’t even a true “raise.” A raise implies an increase in compensation above and beyond the status quo. The COLA, on the other hand, merely brings benefits closer to where they should be in order to match the rising cost of living. In other words, the COLA is an adjustment to ensure that Social Security payments hold their value over time. It doesn’t increase anyone’s purchasing power; it simply attempts to preserve what little purchasing power retirees already have.

As costs for essentials like food, housing, and healthcare continue to rise, this 2.5 percent adjustment will only help retirees maintain their current standard of living. And even then, it often falls short. The COLA is not a bonus or a reward. It’s a critical tool meant to protect retirees from losing out due to inflation. Retirees aren’t asking for more than what they deserve – they’re simply asking for fairness, and the COLA should reflect that reality.

Sign our petition to raise COLAs to the level they belong. You can also follow us on Facebook and Twitter for more COLA updates and other helpful retirement news.