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What is the COLA for 2025?
What is the projected COLA increase for 2025 since SSA has released theirs?
We will calculate the COLA in mid-January (once all the data is available) and post it on our website. Be sure to keep an eye out for it!
According to Missouri state law, each January, MOSERS must compare the average Consumer Price Index (CPI) for the calendar year just completed (2024) to the average CPI from the prior year (2023) to determine the percentage change between the two years. For general state employees, COLAs are based on 80% of the percentage increase in the average Consumer Price Index (CPI) from one year to the next. The maximum increase is 5% (minimum 0%).
How MOSERS calculates the COLA for retirees is outlined in state law. The Social Security Administration uses a different process to calculate COLAs for Social Security benefits:
- SSA uses the CPI-W index; MOSERS uses the CPI-U index, the Consumer Price Index for Urban Consumers.
- SSA bases their COLA off the 3rd calendar quarter change; MOSERS COLAs are based on the percentage increase in the average Consumer Price Index (CPI) from one year to the next using data from the entire year.
- The SSA COLA is 100% of the change; the MOSERS COLA is 80% of the percentage increase from one year to the next.
See the Cost-of-Living Adjustments page on our website for more information.
UPDATE: See The 2025 COLA is here.
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