Will the 2027 Social Security COLA Exceed 4%? Here's What the Latest Estimate Says.

After an unimpressive 2.8% Social Security cost-of-living adjustment (COLA) this year, followed by months of high inflation, you're not alone in hoping that the 2027 COLA will bring better news. We're still a few months away from the official announcement, but projections have already been circling for nearly a year.

The Senior Citizens League (TSCL), a nonpartisan senior group, estimated a 3.8% COLA in July 2026, but it has since updated its prediction. There's still time for it to change, but anyone hoping the COLA might cross the 4% mark is likely to be disappointed.

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