社会保障局宣布2027年福利上调3.6%：约7600万人受益，平均退休金每月约多75美元，2027年1月生效
美国社会保障局10月14日宣布，2027年社会保障与补充保障收入（SSI）福利的生活成本调整（COLA）幅度为3.6%，高于2026年的2.8%。社会保障局局长弗兰克·比西尼亚诺（Frank J. Bisignano）在宣布中表示，社会保障局将为7600万美国人实施这一生活成本调整。
按社会保障局数据，截至今年8月，退休人员平均每月福利约为2087美元；3.6%的上调意味着平均每月约增加75美元。约7200万人领取社会保障福利、约730万人领取SSI（部分人同时领取两项）。新的调整自2027年1月起适用于社会保障福利；SSI领取者的增额支付自2026年12月31日开始。社会保障局同日还宣布了与工资税应税上限、领取者工作收入限额等相关的2027年调整事项。
COLA按劳工统计局发布的城市工资收入者与文职人员消费者价格指数（CPI-W）计算，比较当年第三季度与上年同期的平均水平得出。劳工统计局同日公布的9月CPI同比上涨3.7%。美国退休人员协会（AARP）首席执行官迈切娅·明特-乔丹（Myechia Minter-Jordan）在声明中表示，生活成本调整对老年人十分关键，帮助数以百万计的美国人跟上食品杂货、日常账单、医疗等不断上涨的开支。CNN报道称，2027年的3.6%是2023年以来幅度最大的一次年度调整。
Social Security Benefits to Rise 3.6% in 2027, SSA Announces: About $75 More a Month for the Average Retiree From January
The Social Security Administration announced on October 14 that Social Security and Supplemental Security Income (SSI) benefits will rise 3.6 percent in 2027 under the annual cost-of-living adjustment (COLA), up from 2.8 percent for 2026. Commissioner Frank J. Bisignano said the agency will implement the adjustment for 76 million Americans.
The average retired worker's benefit was about $2,087 a month as of August, so the 3.6 percent increase adds roughly $75 a month. About 72 million people receive Social Security benefits and about 7.3 million receive SSI, with some receiving both. The increase takes effect for Social Security benefits in January 2027, while increased SSI payments begin on December 31, 2026. The agency also announced related 2027 changes, including to the taxable wage cap and earnings limits for beneficiaries.
The COLA is calculated from the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), comparing the third-quarter average with the same period a year earlier. The Bureau of Labor Statistics reported the same day that headline CPI rose 3.7 percent year on year in September. AARP chief executive Myechia Minter-Jordan said in a statement that the adjustment is critically important for older Americans, helping millions keep up with rising costs for groceries, routine bills and health care. CNN reported that the 3.6 percent increase is the largest annual adjustment since 2023.
图片来源：图：美国社会保障局总部大楼（马里兰州伍德劳恩，资料图）。Coolcaesar／Wikimedia Commons，CC BY-SA 3.0
