社保局确定2027年生活费调整为3.6%：约7200万人明年1月起多领，平均每月约多75美元
美国社会保障局（SSA）已确定2027年度生活费调整（COLA）为3.6%：该局官网显示，这项增幅于10月14日确定，适用于2026年12月的福利、即在2027年1月发放的支票，全美约7,200万名社会保障受益人将按新标准领取；约730万名补充保障收入（SSI）领取者则自2026年12月31日起按新标准领取。这是自2023年8.7%以来幅度最大的一次年度调整，高于2026年度的2.8%。
按多家机构援引社保局的估算，普通退休领取者的月福利将增加约75美元，全年约多领900美元。生活费调整的计算依据是城市工资收入者与文职人员消费价格指数（CPI-W）：以2026年第三季度与2025年第三季度的平均水平相比得出3.6%，其中7月同比涨3.4%、8月涨3.5%、9月涨3.9%。自1975年起，社会保障年度增幅即与这一通胀指标挂钩，依法自动确定，无需国会另行立法。
社保局表示，下一次生活费调整将于2027年10月公布。2027年度的联邦医疗保险（Medicare）B部分保费标准尚未公布，该保费通常直接从社会保障支票中扣除，实际到手增幅将取决于保费的最终定价。
Social Security Sets 2027 COLA at 3.6%: About 72 Million Beneficiaries to Get Bigger Checks From January, Averaging About $75 More a Month
The U.S. Social Security Administration (SSA) has set the cost-of-living adjustment (COLA) for 2027 at 3.6 percent. According to the agency's website, the increase was determined on October 14 and applies to benefits for December 2026, paid in January 2027, covering about 72 million Social Security beneficiaries nationwide; about 7.3 million Supplemental Security Income (SSI) recipients will see the higher amounts from December 31, 2026. It is the largest annual increase since 2023's 8.7 percent, and above the 2.8 percent set for 2026.
Based on SSA estimates cited by multiple outlets, the average retired worker's monthly benefit will rise by about $75, or roughly $900 over a full year. The adjustment is calculated from the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), comparing the third-quarter 2026 average with the third quarter of 2025: the index rose 3.4 percent year over year in July, 3.5 percent in August and 3.9 percent in September. Since 1975, annual Social Security increases have been tied to this inflation measure and are determined automatically by law, without new legislation from Congress.
The SSA says the next COLA will be announced in October 2027. Medicare Part B premium amounts for 2027 have not yet been announced; because those premiums are usually deducted directly from Social Security checks, the net increase beneficiaries actually receive will depend on the final premium.
来源：GSM·美国（原文链接）
图片来源：社会保障局（SSA）地方办事处（资料图）。Timothy Shields 摄，CC BY 3.0，经 Wikimedia Commons
