

The 2027 Social Security COLA is expected to be around 3.8%. This is above average and will add roughly $79 to the average benefit.

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Social Security plays a big role in many people's retirement. Without those benefits, a lot of seniors would not be able to make ends meet.

Once you start collecting Social Security, you may end up getting benefits for 10, 20, or 30 years.

A 70-year-old retiree circled January waiting for the cost-of-living adjustment. The Social Security Administration announced a 2.8% COLA for 2026, which lifted the average retired worker check from about $2,015 a month in 2025 to roughly $2,071 in 2026.

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