Medicare Took Your 2026 Social Security Raise — Here's How to Get It Back

Millions of seniors were expecting a $56 raise in their January 2026 Social Security check — but many received far less. Why? A little-known Medicare rule combined with an IRMAA surcharge is quietly wiping out COLA increases before they ever reach your bank account. In this video, Senior Policy Analyst Edward breaks down exactly how the Hold Harmless Provision works, who is NOT protected by it, and the 3 official steps every senior must take in the next 30 days to defend every dollar they are owed.
What you'll learn in this video:
✅ Why your 2026 Social Security raise may be smaller than the government announced
✅ How the Hold Harmless Provision works — and the 4 groups of seniors it does NOT protect
✅ What IRMAA is and how a single one-time income event in 2024 could cost you up to $890 extra in 2026
✅ The exact IRMAA income thresholds for 2026 — single filers and married couples
✅ What the IRMAA Cliff is and why going one dollar over the threshold triggers a massive penalty
✅ How to verify your real 2026 benefit amount through your my Social Security account
✅ Form SSA-44 — the official government form that could save you hundreds or thousands of dollars this year
✅ How to check eligibility for Medicare Savings Programs — QMB, SLMB, QI, and QDWI — and Extra Help
All information is sourced directly from SSA.gov, Medicare.gov, the Social Security Act Section 1840, and AARP reporting. No opinions — just the official rules in plain English.
If you or someone you love receives Social Security and Medicare, this video could save you hundreds of dollars this year. Please share it before the 30-day window closes.
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