Cost-of-Living Adjustment

Below we have a table depicting the Federal Retiree COLA history from 1999 through 2018. Cost of Living increases are measured by the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

Social Security and Supplemental Security Income (SSI) benefits are adjusted to reflect any increase in the cost of living. The cost-of-living adjustment protects the purchasing power of Social Security and SSI benefits.



How is the CSRS COLA and FERS COLA determined?

• If the CSRS COLA is more than 3%, the FERS COLA is 1% less
• If the CSRS COLA is more than 2% but less than 3%, then the FERS COLA is 2%.
• If the CSRS COLA is less than 2%, then the FERS COLA is the same.


FERS Note: The 5-year average COLA = 1.10 %. The 10-year average COLA = 1.46 %

Example:  If your Social Security started 5 years ago at $ 2000 per month, your average increase would have been less than $ 23.00. What will your monthly Social Security deposit look like when you’re 75 or 80? It is more critical than ever than to keep ahead of inflation. The official 2019 Federal retiree COLA will be announced in mid-October 2018.  Richard Eller

For more information, click:

Richard Eller

This content is for information purposes only. The views and opinions expressed here are of the author and do not necessarily reflect the opinion of Spire Wealth Management, LLC. Spire Wealth Management is a Federal Registered Investment Advisor. Blueprint Financial Group is an independent firm.


Federal Retiree COLA History | Federal Retirement Benefits Center