The average retiree gets about $75 more per month. The change starts with January 2027 checks.
COLA means cost-of-living adjustment. It raises checks so they keep up with rising prices.
The Social Security Administration set the 2027 COLA at 3.6%. It tracks a price index called CPI-W.
Retirees, people with disabilities, and survivors all get the rise. Their higher checks start in January 2027.
About 7.3 million people get SSI. Their higher payments start on December 31, 2026.
The average retirement check was about $2,087 a month. A 3.6% rise adds about $75, or $900 a year.
The 2026 COLA was 2.8%. The 2027 rise is the biggest since the 8.7% jump in 2023.
Medicare premiums come straight out of checks. A higher premium could eat part of the COLA.
The agency adds the rise on its own. Retirees do not need to apply or call.
People with online accounts see the notice in late November. Paper notices arrive in December.
Check the new amount, any deductions, and the payment date when the notice arrives.
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