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Alright, buckle up, because 2023 brought some **significant changes** to *Social Security*. The most talked about is, of course, the COLA. For those not in the know, COLA is a mechanism designed to help Social Security and Supplemental Security Income (SSI) benefits keep pace with inflation. The Social Security Administration (SSA) calculates this annually based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). For 2023, the COLA was a substantial 8.7%. This increase helped beneficiaries deal with the rising costs of goods and services. This means that folks on Social Security saw a boost in their monthly payments. This was especially critical given the high inflation rates experienced in the prior year. Besides the COLA, there were also adjustments to the earnings limits for those who continue to work while receiving benefits. If you're under full retirement age and still working, there are limits on how much you can earn before your benefits are reduced. For 2023, the earnings limit increased. This is awesome news for those who want to keep earning while also receiving *Social Security* benefits. The SSA also announced changes to the *maximum amount of earnings* subject to Social Security tax. Each year, the government adjusts this amount, which is tied to the national average wage index. This change has an impact on the contributions that both employees and employers make towards Social Security. Another important aspect to stay updated on involves changes to the *Social Security* tax rate and Medicare premiums. These rates are important factors to consider when planning your retirement and your financial strategy. Additionally, it is important to understand the process for applying for benefits. The SSA continues to update its application processes, and also offers online tools for estimating benefits and managing accounts. So, staying current with the SSA’s online resources can save you a bunch of time and energy when you're navigating the system. The changes highlight the importance of regularly reviewing your own *Social Security* records and understanding the impact of these changes on your personal finances.
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