The Social Security cost-of-living adjustment (COLA) for 2027 was announced at 3.6%, higher than this year's 2.8%, reflecting recent higher inflation. The 2.8% increase raised a $2,010 monthly benefit by about $56 to $2,066, while the average monthly benefit was $2,089 as of September. The article notes COLAs are based on the CPI-W, which tracks workers rather than retirees, while the CPI-E, which weights healthcare and housing more heavily, would be a better measure for retirees. It also warns that Social Security's surplus is running out, with worker taxes projected to cover only about 78% of benefits around 2032, and the author stresses that retirees should save and invest for retirement on their own.
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| Market | Currencies |
|---|---|
| Close on 10/23/2026 | 101.74 |
| Change that session | +0.11% |
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The 2027 COLA for Social Security is 3.6%, an average increase of about $75 a month starting January 2027 that will affect 76 million Americans. The average retired worker's benefit will rise from $2,095 to $2,170 a month, and the average couple receiving benefits from $3,238 to $3,355. The Committee for a Responsible Federal Budget says the COLA adds a combined $3,600 for highest-earning couples who retired this year at full retirement age, enough to push their combined benefits above $100,000 a year. Timing matters: claiming at 62 cuts benefits by about 30% compared with full retirement age, while delaying to 70 raises them by 24% over the benefit at age 67.
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