2026-10-14T13:28:47.284Z / 美国有线电视新闻网（CNN）
作者：塔米·勒比
更新于56分钟前
更新时间：2026年10月14日美国东部时间上午10:53
发布时间：2026年10月14日美国东部时间上午9:28
2026年9月，一名 shopper 在新罕布什尔州一家超市搜寻肉类产品。
罗伯特·尼克尔伯格/盖蒂图片社
美国社会保障局周三宣布，老年人及其他社会保障受益人2027年的月度补贴将上调3.6%，这是自2023年以来最大规模的生活成本调整。
该局表示，从明年1月起，退休工人的月度补贴将增加约75美元，平均每月约达2170美元。目前全美近7200万老年人、残疾人和其他群体领取社会保障福利。
约730万领取补充保障收入（SSI）的低收入人群也将获得3.6%的福利上调。部分人群同时领取社会保障福利和补充保障收入。
社会保障月度补贴是许多老年人的主要收入来源。美国退休人员协会（AARP）——美国颇具影响力的老年人权益 advocacy 组织——首席执行官米基娅·明特-乔丹在一份声明中表示，年度调整“至关重要”。
“当前美国老年人面临诸多财务压力：五分之一的老年人没有退休储蓄，今年感到经济不稳定的人数多于去年，”她说。年度加薪“帮助数百万美国人应对食品杂货、日常账单、医疗保健和其他日常开支的上涨”。
相关报道 2021年10月14日在华盛顿特区，一张照片合成图展示了一张社会保障卡与美国财政部支票放在一起的画面。凯文·迪奇/盖蒂图片社/档案照片 社会保障是否跟得上你的生活成本？分享你的故事 阅读时长1分钟
不过，许多老年人表示，这项被称为生活成本调整（COLA）的年度上调幅度不足以覆盖他们不断上涨的开支。
今年受持续的伊朗局势影响，汽油和柴油价格飙升，通胀有所抬头。但社会保障受益人2026年仅获得了2.8%的生活成本调整。
生活成本调整的计算依据是上一年第三季度的通胀指标。美国劳工统计局周三宣布，相关指标消费者价格指数9月同比上涨3.7%。
2023年，受前一年通胀飙升影响，社会保障受益人获得了8.7%的福利上调。
受益人2027年的部分生活成本调整额度将被医疗保险B部分保费的上涨抵消，相关保费数据将在未来几周公布。根据医疗保险最近的受托人报告，2027年的月度保费预计将升至209.50美元，比今年增加6.60美元。这远低于今年保费近18美元的涨幅。
至关重要的年度加薪
许多老年人及其权益倡导者一直在推动改革生活成本调整机制，使其更好地反映老年人的实际生活成本。
倡导组织“社会保障工作”主席南希·奥特曼表示，当前用于计算生活成本调整的通胀指标旨在反映在职美国人的消费情况，而非退休人员的。老年人在医疗保健、住房和其他必需品上的收入占比更高。
“生活成本调整会有所帮助，但并未完全涵盖社会保障受益人面临的开支，”奥特曼说，她支持改用另一个针对老年人消费的通胀指标。
相关报道 2026年9月28日，一名顾客在纽约曼哈顿萨加山社区的超市过道行走。（摄影：查利·特里巴洛 / 法新社 via 盖蒂图片社） 查利·特里巴洛/法新社/盖蒂图片社 “我每月都捉襟见肘。” 随着通胀持续超过社会保障福利涨幅，老年人日子艰难 阅读时长5分钟
根据倡导组织“老年公民联盟”最近的一项分析，过去十年间，社会保障福利的购买力已经下降了13.7%。换句话说，2016年价值1美元的福利如今仅值86美分。
该分析发现，平均受益人每月需要额外获得近296美元，即每年约3550美元，才能恢复福利的购买力。
不过，也有部分人希望降低生活成本调整的幅度——尤其是对富裕的退休人员——以帮助稳定社会保障的财务状况。
根据监督组织“负责任联邦预算委员会”的数据，领取最高月度社会保障福利的人群明年的福利增幅将超过2200美元，而普通退休人员的年度增幅约为900美元。该委员会指出，社会保障信托基金将在6年内耗尽，届时将出现22%的福利削减。
“为帮助恢复社会保障的偿付能力，立法者应考虑改革未来的生活成本调整机制，”该委员会在一篇博客文章中表示。
本文已更新补充更多信息。
Social Security recipients will get a 3.6% bump in benefits in 2027
2026-10-14T13:28:47.284Z / CNN
By Tami Luhby
Updated 56 min ago
Updated Oct 14, 2026, 10:53 AM ET
PUBLISHED Oct 14, 2026, 9:28 AM ET
A shopper searches for meat products at a New Hampshire supermarket in September.
Robert Nickelsberg/Getty Images
Senior citizens and other Social Security beneficiaries will receive a 3.6% boost in their monthly payments in 2027, the Social Security Administration announced Wednesday, making it the largest cost of living adjustment since 2023.
Monthly payments for retired workers will rise by about $75 to an estimated average of $2,170 starting in January, the agency said. Nearly 72 million senior citizens, people with disabilities and others receive Social Security benefits.
The roughly 7.3 million lower-income people who receive Supplemental Security Income, or SSI, will also receive a 3.6% bump. Some people receive both Social Security benefits and SSI.
Social Security monthly payments are a key source of income for many senior citizens. That makes the annual adjustment “critically important,” Myechia Minter-Jordan, CEO of AARP, a powerful advocacy organization for older Americans, said in a statement.
“There’s a lot on the line financially right now for older Americans: one in five have no retirement savings, and more people feel financially insecure this year than last,” she said. The annual raise “helps millions of Americans keep up with rising costs for groceries, routine bills, health care and other everyday expenses.”
Related article A photo illustration shows a Social Security card alongside checks from the US Treasury on October 14, 2021 in Washington, DC. Kevin Dietsch/Getty Images/File Is Social Security keeping up with your cost of living? Share your story 1 min read
However, many older Americans say the annual adjustments, known as COLAs, haven’t been enough to cover their ever-rising expenses.
Inflation has ticked up this year amid the ongoing war with Iran, which has sent gas and diesel prices soaring. But Social Security recipients only received a 2.8% cost-of-living adjustment for 2026.
The COLA is based on an inflation metric from the third quarter of the prior year. A related metric, the Consumer Price Index, rose 3.7% in September compared with a year ago, the Bureau of Labor Statistics announced Wednesday.
In 2023, Social Security beneficiaries saw an 8.7% increase, following the surge in inflation the year before.
Part of beneficiaries’ COLA for 2027 will be eaten up by an increase in Medicare Part B premiums, which should be released in the coming weeks. The monthly premium for 2027 is expected to rise to $209.50, up $6.60 from this year, according to Medicare’s most recent trustees report. That’s much smaller than the nearly $18 jump in premiums for this year.
Crucial annual raise
Many senior citizens and their advocates have pushed for changes to the COLA to have it better reflect their actual cost of living.
The inflation measure used to calculate the COLA is designed to reflect the costs for working Americans, not retirees, said Nancy Altman, president of Social Security Works, an advocacy group. Older Americans spend a larger share of their income on healthcare, housing and other necessities.
“The COLA adjustment will help. But it doesn’t fully account for the costs that Social Security beneficiaries face,” said Altman, who supports switching to another inflation measure geared to spending by the elderly.
Related article A customer walks down the aisle in a supermarket in the Sugar Hill neighborhood of Manhattan in New York on September 28, 2026. (Photo by CHARLY TRIBALLEAU / AFP via Getty Images) Charly Triballeau/AFP/Getty Images ‘I’m strapped every month.’ Seniors struggle as inflation continues to outpace Social Security benefits 5 min read
Social Security benefits have lost 13.7% of their buying power over the past decade, according to a recent analysis by The Senior Citizens League, an advocacy group. Put another way, a dollar of benefits in 2016 is only worth 86 cents today.
Payments would have to jump by nearly $296 a month, or about $3,550 annually, to restore their buying power for the average beneficiary, the analysis found.
Others, however, would like to reduce the COLA’s generosity – particularly for better-off retirees – to help stabilize Social Security’s finances.
Those collecting the maximum monthly Social Security benefit will enjoy a boost of more than $2,200 for next year, compared to a roughly $900 annual uptick for the average retiree, according to the Committee for a Responsible Federal Budget, a watchdog group. It noted that Social Security’s trust fund will be drained in six years, which will result in a benefit cut of 22%.
“To help restore Social Security solvency, lawmakers should consider reforming future COLAs,” the committee said in a blog post.
This story has been updated with additional information.
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