CHIPPEWA FALLS — Seventy-year-old Ed Cadwell of Chippewa Falls is frustrated that the cost-of-living adjustment for his monthly Social Security payment is going up only 0.3 percent next year, only a few dollars a month. 

“When cost of living goes up 5 percent, and we only get a three-tenths of 1 percent increase, we fall further behind,” Cadwell said.