Social Security's 3.6% COLA for 2027: Waiting Until 70 Doesn't Skip a Single One
SSA announced a 3.6% cost-of-living adjustment for 2027 on October 14, 2026. A common worry is that delaying your claim means missing raises like this. It doesn't: COLAs apply to your benefit base from age 62 whether you've claimed or not. Here is what 3.6% does at 62, 67 and 70, plus the 2027 earnings test and tax cap.