美国社会保障金2027年涨3.6%：平均每月多75美元，个人通知11月下旬可网上查
美国社会保障局2026年10月14日在 Baltimore 宣布，2027年社会保障金按生活成本调整（COLA）上涨3.6%，覆盖养老、遗属和残障保险以及补充保障收入（SSI）。按平均数算，退休金每月大约多75美元。
受益人数的规模是这样：近7,200万名社会保障受益人将从2027年1月起拿到调高后的金额；约730万名补充保障收入领取人的调高款项从2026年12月31日开始发放。局长 Frank J. Bisignano 说，这次调整将由社会保障系统落实到7,600万美国人身上。
对11月12日的领取人来说，眼下有一件有期限的事。每个人调高后的确切金额写在个人的 COLA 通知里，有 my Social Security 个人账户的人11月下旬起就能在网上先看到，比12月寄到的纸质通知早最多三周。
还没有个人账户、又想在网上看通知的人，需要在11月18日前开好账户并登记无纸化通知。没有登记无纸化的人不用做任何事，纸质通知会在12月照常寄到，上面用一页纸写清新金额、确切日期和扣款项。
这次3.6%的算法写在《社会保障法》里，依据是美国劳工部劳工统计局公布的城市工薪与文职人员消费价格指数（CPI-W）的涨幅，不是临时决定的数字。联邦医疗保险2027年的保费金额，也会从11月下旬起在个人账户的消息中心里查到。
（来源：美国社会保障局）
Social Security Benefits Rise 3.6% in 2027, About $75 More a Month on Average, With Notices Online From Late November
The Social Security Administration announced in Baltimore on October 14, 2026 that benefits will rise 3.6 percent in 2027 under the cost-of-living adjustment (COLA), covering Old-Age, Survivors, and Disability Insurance and Supplemental Security Income (SSI). On average, Social Security retirement benefits will increase by $75 per month.
The scale is large: nearly 72 million Social Security beneficiaries will see the 3.6 percent adjustment beginning in January 2027, and increased payments to about 7.3 million SSI recipients begin on December 31, 2026. Commissioner Frank J. Bisignano said Social Security will implement the adjustment for 76 million Americans.
For recipients reading on November 12, one step has a deadline. Each person's exact new amount appears in their individual COLA notice, and holders of a personal my Social Security account can view it online starting in late November, up to three weeks earlier than the paper notice mailed in December.
People without an account who want to read the notice online need to create one and enroll in paperless notices by November 18. Those who have not enrolled in paperless notices need to do nothing: the paper notice arrives by mail in December, a simplified one-page notice giving the new benefit amount, exact dates and any deductions.
The 3.6 percent figure follows the formula in the Social Security Act, tied to the increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) published by the Bureau of Labor Statistics. Medicare premium amounts for 2027 will also be available through the account Message Center starting in late November.
(Source: Social Security Administration)
来源：美国社会保障局
发布：GSM·美国（发布链接）
图片来源：图：一张美国社会保障卡的正面样式。照片：N Giovannucci，CC BY-SA 4.0，经维基共享资源。 / Photo: The front design of a United States Social Security card. Photo: N Giovannucci, CC BY-SA 4.0, via Wikimedia Commons
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