社保金2027年涨3.6%：平均每月多领75美元，7600万人受益
美国社会保障管理局（SSA）10月14日在马里兰州 Baltimore 宣布，2027年社会保障金与补充保障收入（SSI）将按生活费用调整（COLA）上调3.6%，共约 7,600 万名美国人受益，退休金平均每月增加约75美元。
具体生效时间分两路：近 7,200 万名社会保障受益人的涨幅从2027年1月发放的款项起体现；约730万人领取的 SSI，涨幅从2026年12月31日发放的款项起体现。部分人同时领取社会保障金与 SSI。
社会保障管理局专员 Frank J. Bisignano 表示，社会保障将为 7,600 万名美国人实施这次生活费用调整，让他们的财务更有保障。COLA 的计算依据是《社会保障法》的规定，与劳工部劳工统计局公布的城市工薪者消费价格指数（CPI-W）涨幅挂钩。
通知时间线与本月相关：持有个人 my Social Security 账户的人，11月下旬起可在账户消息中心在线查看个人化的 COLA 通知，比邮寄纸质通知最多早三周；尚未开通账户的人，须在11月18日前开通账户并选择无纸化通知，才能在线查看；未选择无纸化的人，纸质通知将于12月邮寄，通知为一页纸的简化版，写明个人新金额的准确日期与数额及扣除项。2027年联邦医疗保险（Medicare）保费金额同样将于11月下旬起通过消息中心提供，详情可在 medicare.gov 查询。
关联：社保局11月付款日程：首批11月3日到账，一组领取人因退伍军人节提前一天
（来源：美国社会保障管理局）
Social Security Benefits Rise 3.6% in 2027: An Average of $75 More a Month for 76 Million Americans
The Social Security Administration (SSA) announced in Baltimore, Maryland, on October 14 that Social Security benefits and Supplemental Security Income (SSI) payments will rise by a 3.6 percent cost-of-living adjustment (COLA) in 2027, covering about 76 million Americans, with retirement benefits increasing by an average of about $75 a month.
The increase reaches the two programs on different dates: nearly 72 million Social Security beneficiaries will see the 3.6 percent adjustment beginning with payments in January 2027, while increased payments to about 7.3 million SSI recipients will begin with the December 31, 2026 payment. Some people receive both Social Security benefits and SSI.
'Social Security will implement this cost-of-living adjustment for 76 million Americans, giving them greater financial stability,' said Commissioner Frank J. Bisignano. Under the Social Security Act, the annual COLA is tied to the increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), as determined by the Department of Labor's Bureau of Labor Statistics.
The notice timeline runs through this month: people with a personal my Social Security account can view their personalized COLA notice online starting in late November, up to three weeks earlier than a mailed paper notice; those without an account must create one and enroll in paperless notices by November 18 to see the notice online. Everyone else will receive the simplified one-page paper notice by mail in December, showing the exact dates and dollar amounts of their new benefit and any deductions. For Medicare enrollees, the 2027 premium amount will also be available through the my Social Security Message Center starting in late November, with Medicare information at medicare.gov.
（Source: Social Security Administration）
来源：美国社会保障管理局
发布：GSM·美国（发布链接）
图片来源：图：位于马里兰州 Woodlawn 的美国社会保障署总部大楼（联邦固定图库）。Coolcaesar 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Photo: Social Security Administration headquarters in Woodlawn, Maryland (federal fixed image library). Photo by Coolcaesar, CC BY-SA 3.0, via Wikimedia Commons.
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