If I file this month for my social security- I’m 63, will I get next January’s cola?

Hi. Yes, since you've already reached age 62 you'll get the next Social Security cost of living (COLA) increase no matter when you claim benefits. All Social Security COLAs that occur after a person reaches age 62 are added to their Social Security retirement benefit rate regardless of when they start drawing benefits.

Before deciding when to start drawing your benefits, you should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry