Start with reviewing your earnings records.
A smaller February 2026 Social Security check is often due to COLA limits, Medicare premiums, taxes, or earnings rules.
This means your earliest, lowest-paid working years often don’t affect your final benefit calculation — as long as you ...
All Social Security beneficiaries will get 2.8% more in 2026. Medicare Part B premiums will take a greater bite out of your benefits next year. Most Social Security beneficiaries will get paid on the ...
Social Security takes your top 35 years of earnings into account in determining your average career earnings. However, when it comes to figuring your benefit, the formula doesn't treat every dollar of ...