Healthcare
Supplemental Security Income (SSI)
Monthly federal cash payments for disabled, blind, or 65+ Americans with very limited income and resources, funded by general Treasury (not Social Security payroll taxes).
Read guide2027 COLA: 3.6%2027 Social Security
2027 Social Security
COLA Calculator
Type in what you get each month and see the payment SSA should send from January 2027, after its rounding rules and your Medicare premium.
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- Figures from SSA
By Subha, Public Benefits Writer · Verified
Your 2027 statement, estimatedExample
From January 2027 you could receive
$2,170
+$75 a month, +$900 a year
- Social Security before Medicare
- $2,095.00
- 3.6% cost-of-living adjustment
- +$75.42
- New amount, rounded down to the dime
- $2,170.40
- Social Security paymentRounded down to the dollar. Now $2,095.
- $2,170
An estimate, not your notice. SSA applies the COLA to your primary insurance amount, so the real figure can differ by a few cents or a dollar.
The 2027 Part B premium is not out yet
Medicare had not announced its 2027 premium when we checked on October 18, 2026. Until it does, this tool takes the premium you enter out of both years, so the raise shown is the COLA alone.
How SSA turns 3.6% into dollars
Your check does not grow by exactly 3.6 percent. SSA's actuaries describe three steps, each with its own rounding.
- 1
Raise the base amount
The COLA is applied to your primary insurance amount, then cut to the next lower dime.
- 2
Take out Medicare
Any Part B premium is subtracted from the new amount.
- 3
Round the payment down
What is left is cut to the next lower whole dollar. That is the deposit.
Rounding rule source: Social Security Handbook section 738.
When the higher payment arrives
SSI comes first. SSA says the increased SSI payments begin on December 31, 2026, so the first higher check lands before the new year.
Social Security benefits rise with the January 2027 payment. Your exact deposit date depends on your birthday, which our Social Security payment schedule lays out month by month.
For how SSA set the 3.6% figure and what else changes in 2027, read our Social Security COLA 2027 guide.
SSA says COLA notices reach most my Social Security accounts in late November 2026. Paper notices go out in December.
Other 2027 numbers that moved
The COLA also resets work limits and tax figures. If you get disability benefits, the earnings limits matter as much as the raise.
| Figure | 2026 | 2027 |
|---|---|---|
| SSI federal payment, individual | $994/mo | $1,029/mo |
| SSI federal payment, couple | $1,491/mo | $1,544/mo |
| Substantial gainful activity, non-blind | $1,690/mo | $1,770/mo |
| Substantial gainful activity, blind | $2,830/mo | $2,950/mo |
| Trial work period month | $1,210/mo | $1,270/mo |
| Earnings test, under full retirement age | $24,480/yr | $25,560/yr |
| Earnings test, year you reach full retirement age | $65,160/yr | $67,920/yr |
| Maximum taxable earnings | $184,500 | $192,300 |
| One quarter of coverage (work credit) | $1,890 | $1,970 |
| Maximum benefit at full retirement age | $4,152/mo | $4,188/mo |
Source: SSA 2027 COLA fact sheet. The SSI resource limits stay at $2,000 and $3,000.
For what these limits mean in practice, read our SSDI program guide or our SSI program guide.
Programs the 2027 COLA reaches
Each guide covers who qualifies, how much it pays, and how to apply.
Healthcare
Social Security Disability Insurance (SSDI)
Monthly cash payments for workers who paid Social Security taxes and can no longer work due to a long-term medical disability, funded by FICA payroll taxes, not general revenue.
Read guide
Healthcare
Medicare
Federal health insurance for people 65 and older, and for younger people with certain disabilities or end-stage renal disease, split across four parts (A hospital, B medical, C Advantage, D drugs) with different premiums and cost-sharing rules.
Read guideCOLA calculator questions
It is 3.6 percent. SSA announced it on October 14, 2026, based on the rise in the CPI-W from the third quarter of 2025 to the third quarter of 2026. SSA says retirement benefits rise by about $75 a month on average.
Social Security benefits rise starting with the January 2027 payment. SSI recipients get the increase first, in the payment SSA sends on December 31, 2026. Most people can read their COLA notice in their my Social Security account from late November 2026.
SSA rounds down twice. The COLA is applied to your primary insurance amount and the result is cut to the next lower dime. After any Part B premium is taken out, the payment is cut to the next lower dollar.
It can. SSA deducts the Part B premium from your benefit before it rounds the payment. The 2026 standard premium is $202.90 a month, and Medicare had not announced the 2027 premium when this page was checked on October 18, 2026.
Usually by less than the full amount. The federal SSI rate rises $35 for an individual, from $994 to $1,029. But Social Security counts as unearned income for SSI, so a Social Security raise lowers your SSI by about the same number of dollars.
Where the numbers come from
SSA 2027 COLA Fact Sheet
Announced October 14, 2026. Checked October 18, 2026.
Read the fact sheetThe SSI federal rate rises to $1,029 for an individual and $1,544 for a couple. SSA estimates the average retired worker gets $2,170 a month after the COLA, up from $2,095.