Overview
- Moorepay, a private-sector analysis of 85 countries, ranks the U.S. 13th for pension adequacy and estimates Social Security covers 163.46% of basic costs.
- The study calculates an average $9,108 in annual discretionary income for U.S. retirees after essential expenses.
- The 2026 COLA is 2.8%, raising the estimated average monthly benefit by about $56 to roughly $2,071.
- Higher Medicare Part B premiums in 2026 are expected to offset part of the COLA for many beneficiaries.
- SSA’s chief actuary warns of trust-fund insolvency by late 2032, with analyses pointing to potential $18,400 yearly losses for an average retired couple if no fix passes.