The document summarizes 7 changes coming to the Social Security program in 2020: 1) The SSA will start paying out more in benefits than it receives in revenue for the first time since 1983. 2) The COLA is expected to increase benefits by 1.8% on average. 3) The full retirement age will continue increasing to 67 for those born in 1960 or later. 4) More retirees will need to pay income taxes on Social Security benefits as thresholds have not been adjusted for inflation. 5) Those reaching full retirement age in 2020 or later cannot claim spousal benefits under a restricted application. 6) The option to file and suspend benefits to earn delayed retirement credits will end