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  3. COLA

Massachusetts COLA Explained

Answer: Massachusetts COLA is 3% applied to only the first $13,000 of your allowance (max $390/year), with annual compounding.

COLA is 3% applied to the first $13,000 of your annual allowance only. Maximum increase: $390/year.

YearBase AppliedCOLA (3%)New Annual
Year 1$13,000$390Base + $390
Year 2$13,000$390Prev + $390

Related Guides

Massachusetts COLA 2026 Complete Guide

Everything you need to know about the 2026 COLA increase and how it affects your pension

Read More

Understanding the $13,000 COLA Cap

Deep dive into how the COLA cap works and its long-term impact on your retirement income

Read More
MSRB Guidance•Groups 1–4•Options A/B/C• Calculate Your Pension