📌 IT'S OFFICIAL: 2027 Social Security Raise Is 3.6% — Here's What You'll Really Get

It's official: the 2027 Social Security raise (COLA) is 3.6% — the biggest raise in four years. Social Security announced it on October 14, 2026. The average retired worker's check goes from $2,095 to about $2,170 (+$75 a month), and SSI goes up to $1,029 a month. But that's not what will land in your bank in January. In this video I show you how to work out your own 2027 raise in 10 seconds ($36 for every $1,000 of your check), why Medicare Part B comes out first, why prices (up 3.7%) are still a little ahead of the raise, who gets a different amount (SSI, IRMAA, tax withholding), the January 2027 payment dates, and the December 31 payment that is NOT a bonus. ⏱️ CHAPTERS 0:00 It's official: 2027 Social Security raise is 3.6% 1:08 Before we start 1:15 Is 3.6% really a good raise? (prices up 3.7%) 2:21 Medicare Part B 2027: what comes out of your raise first 3:46 What to do this week: Medicare open enrollment Oct 15 – Dec 7 4:53 Who gets a different amount: SSI, IRMAA, taxes, earnings limit 5:53 What you told me in the comments 6:28 When the raise arrives: January 2027 dates and the December 31 payment 7:47 Checklist — screenshot this 8:18 The bottom line 💵 YOUR 2027 RAISE IN 10 SECONDS (3.6%) • $1,000 check → about +$36 a month • $1,500 check → about +$54 • $1,800 check → about +$65 • $2,000 check → about +$72 • $2,500 check → about +$90 Use your full check amount, before Medicare is taken out. Then plan on about $7 less for the expected Part B increase. 📌 OFFICIAL 2027 NUMBERS (Social Security fact sheet, Oct 14, 2026) • COLA: 3.6% (2026: 2.8% · 2025: 2.5% · 2024: 3.2%) • Average retired worker: $2,095 → $2,170 • Aged couple, both receiving: $3,238 → $3,355 • Aged widow(er) alone: $1,936 → $2,005 • Average disabled worker: $1,642 → $1,701 • SSI maximum: $1,029 individual, $1,544 couple • Earnings limit under full retirement age: $25,560 ($1 withheld for every $2 over) • Earnings limit in the year you reach full retirement age: $67,920 ($1 for every $3 over) • Taxable maximum: $192,300 • Disability SGA: $1,770/month (blind $2,950) • Medicare Part B 2027: not announced yet (projected about $209.50, up from $202.90) — expected in November 📅 JANUARY 2027 PAYMENT DATES • Born 1st–10th: Wednesday, January 13 • Born 11th–20th: Wednesday, January 20 • Born 21st–31st: Wednesday, January 27 • SSI and people paid on the 3rd: Thursday, December 31, 2026 — this is your January payment, not a bonus ✅ CHECKLIST 1. The 2027 raise is 3.6%. 2. Quick math: about $36 for every $1,000 of your check. 3. Medicare comes out first. Plan on about $7 less than your raise. 4. Compare your Medicare plan from October 15 to December 7. 5. SSI and some January payments arrive December 31. It's not a bonus. 6. Open your COLA notice (online in late November, by mail in December) and keep it. 📞 WHERE TO CHECK • Your new amount: my Social Security at ssa.gov (Message Center, late November) • Compare Medicare plans: medicare.gov or 1-800-MEDICARE • Social Security: 1-800-772-1213 • Social Security will never call, text or email asking for your information about the raise. Hang up. 💬 Is this raise enough for you — yes or no? And what's your raise going toward first? Tell me in the comments. Please never post your Social Security number. 📤 Send this to a parent counting on that raise, a friend on SSI who might think the New Year's Eve money is a bonus, or a neighbor with a drug plan who needs to compare. Related searches: 2027 COLA official, Social Security COLA 2027 3.6%, 2027 Social Security raise, how much will my Social Security increase in 2027, 2027 COLA calculator, Social Security 2027 average benefit, SSI 2027 payment amount $1,029, Medicare Part B premium 2027, hold harmless, 2027 earnings limit $25,560, Social Security payment schedule January 2027, SSI December 31 payment, COLA notice my Social Security #SocialSecurity #COLA2027 #SocialSecurityRaise #Seniors #SSI #Medicare #Retirement #SocialSecurityNews General information, not financial advice. Your exact numbers will be in your COLA notice from Social Security. Not affiliated with the Social Security Administration or Medicare.