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Social Security's COLA for 2027 Is Shaping Up to Be Historically Unique in a Key Way -- But Several Problems Loom

It looks like the upcoming cost-of-living adjustment may be around 3.5%. That's good -- but there are some problems ahead.

Social Security's COLA for 2027 Is Shaping Up to Be Historically Unique in a Key Way -- But Several Problems Loom

Published September 17, 2026 · Category: Finance

Overview

Anyone on Social Security is likely keenly interested in the program's nearly annual cost of living adjustments (COLAs) -- and in what the upcoming one will be. The formal announcement is due in mid-October, but until then there has been a lot of speculation, with estimates rising and falling.

For example, the folks at AARP recently upped their estimate for the 2027 cost-of-living adjustment (COLA) from 3.5% to 3.6%. Meanwhile, the Senior Citizens League lowered its projection from 3.6% to 3.5%. Those are different estimates, but they're clearly not far apart. More interesting is the fact that the 2027 COLA, which will be announced in 2026, is likely to be of historical note.

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Originally published at www.fool.com.

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