For better or worse, Social Security is our nation's most vital social program. A recent survey from national pollster Gallup found that 84% of nonretirees plan to lean on Social Security as a "major" or "minor" source of income when retired. Considering how important the program is to the financial well-being of tens of millions of currently retired Americans, there's perhaps no announcement more universally awaited than Social Security's annual cost-of-living adjustment (COLA).