A long-standing change to the rules is taking effect in 2026 and affecting when you can claim full Social Security benefits.

Social Security's full retirement age is changing next year, affecting when the youngest baby boomers and Gen Xers can collect 100% of their benefits.

But COLAs aren't the only Social Security change that tends to arrive each year. There's another big change Social Security commonly undergoes that affects working Americans, and 2026 is no exception.