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Hot Inflation Lifts 2027 Social Security COLA Forecasts to About 4%

The Social Security Administration will set the final increase in October using third‑quarter data.

Overview

  • April consumer prices rose 3.8% year over year, the Bureau of Labor Statistics reported, with higher oil costs tied to the Iran conflict pushing projections for a larger 2027 adjustment.
  • The Senior Citizens League and analyst Mary Johnson now expect a 3.9% to 4.2% cost‑of‑living raise, which would add about $80 to the average retired worker’s monthly check.
  • The COLA is based on CPI‑W, an inflation gauge for workers, by comparing the July–September average with the same months a year earlier, and the agency will announce the result in October.
  • Rising costs for healthcare, housing, utilities and insurance continue to squeeze retirees, and surveys show more than half have skipped medical products or services due to price pressures.
  • A larger increase would raise program costs, and the Committee for a Responsible Federal Budget estimates roughly $300 billion more in outlays over 10 years and a slightly earlier trust‑fund depletion date.