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Social Security and SSI rise 3.6% for 2027, the largest increase in five years, based on inflation (CPI-W) in the third quarter of 2026. Benefits are rounded down to the dime, and the payment to the whole dollar. Medicare Part B premiums are usually deducted from the check, so the net raise can be smaller.
How to apply
No application needed – the increase is automatic. Your COLA notice is posted in your my Social Security account in December.
FAQ
How much is the Social Security COLA for 2027?
3.6%, starting with January 2027 payments – about $75 a month for the average retired worker.
Sources (checked Nov 6, 2026): SSA, “COLA 2027: Social Security Announces 3.6 Percent Benefit Increase” (Oct 2026).