Big changes hit Social Security and retirement in 2026. These updates touch every saver and retiree across America. Social Security benefits rise 2.8% with the new COLA. That's $56 more monthly on average, pushing retired worker checks to $1,976. Medicare Part B premiums climb to $185, up 5.9% from last year. IRA limits jump to $7,000. 401(k) caps hit $23,500, plus super catch-ups to $11,250 for those 60-63.