Consider it a necessary evil.Social Security tends to undergo certain changes each year. And some of them can be positive ones.This year, Social Security benefits are getting a 2.8% cost-of-living adjustment, which is higher than the 2.5% raise that came through in 2025. Social Security's earnings-test limits are also rising, which means people who work while collecting benefits can earn more money before risking having some of their benefits withheld. Plus, Social Security has a higher maximum monthly bene ...