When the 2027 increase starts

Social Security benefits payable in January 2027 include the COLA. Increased SSI payments begin with the December 31, 2026 payment. If you receive both, the dates and benefit amounts can differ.

Why your actual payment may differ

This estimate multiplies the amount you enter by 1.036. SSA calculates each person's benefit under its rules, and Medicare premiums, withholding, eligibility changes, or other deductions can affect the amount deposited. Use your personal COLA notice for the official figure.