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Here's the Downside to a 3.6% 2027 Social Security COLA That No One Is Talking About

This short-term gain could come with a major long-term loss.

Here's the Downside to a 3.6% 2027 Social Security COLA That No One Is Talking About

Published August 27, 2026 · Category: Finance

Overview

When people hear that an above-average 3.6% Social Security cost-of-living adjustment (COLA) is likely on the way, they almost never focus on how this short-term boost could lead to a long-term benefit reduction. Beneficiaries think about how much the COLA will add to their current checks and how it'll fit into their budgets next year. But there's a bigger picture worth considering.

Social Security's trust funds are running out of money, and we're now just six years away from a 22% benefit cut, according to the latest Trustees' Report. But a larger 2027 COLA could force potential Social Security cuts sooner than current estimates predict.

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Originally published at www.fool.com.

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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Data may be delayed up to 15 minutes. Past performance is not indicative of future results. Consult a licensed financial advisor before making investment decisions.