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<\/p>\nNo one can say for certain how large the 2027 Social Security cost-of-living adjustment (COLA) will be, but it’s a good bet it’s going to be around 3.9%. This is according to the Senior Citizens League (TSCL), which also notes that seniors are feeling the pinch of high inflation and that a 3.9% increase is unlikely to move the needle much. <\/p>\n
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Image source: Getty Images.<\/p>\n
What would that mean for your monthly benefit?<\/p>\n
How much more money you can expect each month from a 3.9% COLA increase<\/a> depends on how much you’re currently receiving. For example:<\/p>\n Your Current Benefit<\/p>\n Your Benefit After a 3.9% COLA Increase<\/p>\n $1,000<\/p>\n $1,039.00<\/p>\n $1,200<\/p>\n $1,246.80<\/p>\n $1,500<\/p>\n $1,558.50<\/p>\n $1,700<\/p>\n $1,766.30<\/p>\n $2,000<\/p>\n $2,078.00<\/p>\n $2,300<\/p>\n $2,389.70<\/p>\n $2,500<\/p>\n $2,597.50<\/p>\n $2,700<\/p>\n $2,805.30<\/p>\n $3,000<\/p>\n $3,117.00<\/p>\n $3,200<\/p>\n $3,324.80<\/p>\n $3,500<\/p>\n $3,636.50<\/p>\n $3,700<\/p>\n $3,844.30<\/p>\n $4,000<\/p>\n $4,156.00<\/p>\n $4,300<\/p>\n $4,467.70<\/p>\n $4,500<\/p>\n $4,675.50<\/p>\n $4,700<\/p>\n $4,883.30<\/p>\n $5,000<\/p>\n $5,195<\/p>\n Calculations by author.<\/p>\n Given that the cost of Medicare Part B premiums tends to increase annually, you’d need to subtract the new, higher premium (the current standard premium is $202.90) as well as federal — and possibly state — taxes if you owe them.<\/p>\n COLAs are calculated by averaging third-quarter inflation as measured by the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). In other words, how large (or small) a raise senior citizens receive depends on the inflation rate<\/a> throughout the short third-quarter window of July, August, and September, and it is based on how much inflation those still working faced during those months.<\/p>\n Advocacy groups, like TSCL, say that the average senior misses out on thousands of dollars in Social Security payments because the government stubbornly sticks with a Consumer Price Index (CPI), a measure that does not reflect how retirees spend. Instead, these groups say the Consumer Price Index for the Elderly (CPI-E) should be used to measure the impact of inflation on seniors, as it better reflects their real-life spending. <\/p>\n