Social Security retirement benefits
Q4 2032
OASI reserves are projected to run short in Q4 2032
78%
funded
Days
Hours
Mins
Secs
If Congress does nothing, ongoing payroll taxes would cover 78% of scheduled retirement benefits.
The legislation, agency rules, and trust-fund deadlines that decide your Social Security check and Medicare costs, watched in real time and translated into plain English.
Dates To Watch
These are not doomsday clocks. They are the dates when current law stops fully funding two promises retirees plan around.
Social Security retirement benefits
Q4 2032
OASI reserves are projected to run short in Q4 2032
78%
funded
Days
Hours
Mins
Secs
If Congress does nothing, ongoing payroll taxes would cover 78% of scheduled retirement benefits.
Medicare hospital coverage
Q2 2033
Medicare HI reserves are projected to run short in Q2 2033
89%
funded
Days
Hours
Mins
Secs
If Congress does nothing, ongoing Medicare Hospital Insurance income would cover 89% of scheduled benefits.
2026 at a glance
Before the next bill or rule lands, these are the figures that hit a 2026 household budget, a higher Medicare premium, the Social Security COLA, the drug-cost cap, and a larger wage base for payroll taxes.
Medicare Part B
$202.90
standard monthly premium for 2026
Part D drug cap
$2,100
covered-drug out-of-pocket ceiling
Social Security COLA
2.8%
benefit increase effective January 2026
Taxable wage base
$184,500
maximum earnings subject to Social Security tax
Congressional bill tracker
119th Congress · refreshed every 30 minutes
Social Security 2100 Act
Social Security Expansion Act
You Earned It, You Keep It Act
Protecting Our Widows and Widowers in Retirement Act
Strengthening Social Security Act of 2026
Social Security 2100 Act
Social Security Survivor Benefits Equity Act
To amend title II of the Social Security Act to provide that not more than 10 percent of a monthly benefit may be withheld on account of overpayments.
Social Security Caregiver Credit Act of 2026
Senior Citizens Tax Elimination Act
Veterans Medicare Premium Transparency Act
To amend titles XVIII and XIX of the Social Security Act to increase access to community health workers under the Medicare and Medicaid programs.
Restore Protections for Dialysis Patients Act
John W. Walsh Alpha-1 Home Infusion Act of 2025
Medicare for All Act
Improving Seniors’ Timely Access to Care Act of 2025
Medicare Breast Reconstruction Access and Information Act
RESULTS Act
ASAP Act
Medical Nutrition Therapy Act of 2025
Inside CMS & the SSA
Most of what changes your benefits never reaches a vote, it lands as an agency rule or an announcement. Here is the official record, newest first.
DNV Keeps Hospital Accrediting Gig for Six More Years
Medicare Hosts HCPCS Code Update Meeting in November
Medicare appeals now need $200+ to fight in 2027.
Social Security Patches Heart Test Rules for Benefits
CMS Seeks Comments on Its Comment-Seeking Plans: Snore Fest!
CMS Asks: OK to Keep Collecting Medicare Data?
Feds Hand $226K to Grandma's Anti-Fraud App for Medicare Scam Busting
Social Security Announces Significant Improvements in the Supplemental Security Income Program
SSA’s 2026 SSI annual report says the agency has improved program administration by reducing improper payments, increasing accuracy, and speeding service for Supplemental Security Income recipients. The changes are mainly operational, including streamlined instructions, better call handling, expanded financial institution and payroll data matching, and tighter non-medical redeterminations.
Read the full release at SSASocial Security Administration Announces New Online Tools and Notices for Disability Claims
The Social Security Administration announced new online self-service tools for disability claims and appeals in my Social Security, including online submission of disability forms, a claim status tracker, secure access to proffer letters, and 26 additional disability-related notices in the Message Center. Claimants can also opt into email or text alerts, while paper notices will still be mailed. The release emphasizes faster communication and more efficient case processing for disability adjudication.
Read the full release at SSAAmending the Indirect Hold Harmless Threshold of Health Care-Related Taxes Proposed Rule (CMS-2452-P)
CMS proposed rule CMS-2452-P would implement section 71115 of Public Law 119-21 by creating new indirect hold harmless thresholds for state health care-related taxes, limiting new and increased provider taxes and adding reporting requirements for states. CMS says the rule could reduce federal Medicaid spending by $246 billion over 2026-2035. Comments are due on a date not specified in the document.
Read the full release at CMSManufacturer Effectuation of MFP Draft Guidance for 2028 Medicare Drug Price Negotiation
CMS issued draft guidance on how manufacturers must effectuate the Medicare Drug Price Negotiation Program maximum fair price (MFP) in 2028 for selected drugs covered under Medicare Part B and Part D. The guidance describes data flows, payment processes, and a 14-day prompt payment window, and it opens a 60-day public comment period.
Read the full release at CMSStrengthening Original Medicare
CMS blog post outlining its strategy to strengthen Original Medicare through payment reform, price transparency, interoperability, and increased accountability. It highlights CY 2027 policy proposals in the Physician Fee Schedule and OPPS, including a proposal for certain Accountable Care Organizations to reduce or eliminate cost sharing for some Part B services starting in April 2027. The post also references ongoing data collection, competitive bidding, and requests for comments on payment accuracy.
Read the full release at CMSCMS Modernizes Nursing Home Oversight with New Risk-Based Survey Approach Designed to Highlight High Performance, Encourage Improvement
CMS announced a risk-based nursing home survey approach that will streamline oversight for higher-performing facilities and focus more resources on homes with greater compliance risk. The change is intended to recognize strong performers while maintaining oversight of nursing homes that need improvement.
Read the full release at CMSCalendar Year (CY) 2027 Medicare Physician Fee Schedule Proposed Rule
CMS proposes CY 2027 Medicare Physician Fee Schedule changes effective on or after January 1, 2027. The rule would lower proposed conversion factors compared with CY 2026, adjust payments for same-day E/M visits and global procedures, revise the E/M complexity add-on into percentage-based modifiers, and tighten payment rules for remote monitoring services. Impacts are most direct for healthcare providers, with indirect effects on Medicare beneficiaries’ access, cost sharing, and care coordination.
Read the full release at CMSCalendar Year (CY) 2027 Medicare Physician Fee Schedule Proposed Rule (CMS-1848-P) — Medicare Shared Savings Program Proposals
CMS proposes CY 2027 Medicare Shared Savings Program changes aimed at strengthening ACO participation, rebalancing incentives between BASIC Level E and ENHANCED tracks, and improving benchmark methodology. The proposal could increase payments for some ACOs, especially those serving higher-risk or rural populations, while seeking savings for Medicare Trust Funds. Public comments are due by the close of the 60-day comment period.
Read the full release at CMSRun your own numbers
Estimate the lifetime benefit loss if the 22% OASI cut starts after Q4 2032.
Try itStress-test lifetime premiums if beneficiaries are asked to pay more of Medicare costs.
Try itEstimate your monthly benefit using the 2026 bend points and claiming-age rules.
Try itCompare claiming now with waiting until full retirement age or age 70.
Try itEstimate Part B, Part D, and IRMAA costs for 2026.
Try itSee how required distributions can affect taxes, income, and Medicare premiums.
Try itDeep guides
Plain-English explainers of what changed, why it matters, and what to watch next, no policy degree required.
Annual changes
Annual changes
Plan structure
Coverage basics
Adjacent retirement risk
Pension transition
Don't find out late
PRIA watches Congress, CMS, and the SSA around the clock and alerts you when a bill, rule, or deadline moves the math on your retirement.
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