Social Security Benefits Rise 3.6 Percent in 2027: What SSDI and SSI Recipients Should Know

Social Security Administration (SSA) has announced a 3.6 percent cost-of-living adjustment (COLA) for 2027. If you receive Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), here is what the increase means for you and what to do next.

What Is Changing

If you receive Social Security benefits, you will see the increase starting in January 2027. If you receive SSI, you will see higher payments beginning December 31, 2026. If you receive both, you will see both changes. Your COLA notice will show your exact new benefit amount.

How to See Your COLA Notice Early

If you have a personal my Social Security account, you may be able to view your COLA notice online before a paper notice arrives in the mail. You can also choose to receive text or email alerts when a new message is available in your account.

If you do not have a my Social Security account, consider creating one to access important benefit information, manage your preferences, and receive notices electronically.

If you prefer not to receive notices electronically, SSA will mail your COLA notice. The agency’s simplified one-page notice uses plain language and shows your new benefit amount, payment dates, and any applicable deductions. Learn more about annual cost-of-living adjustments at ssa.gov/cola.

Thinking About Applying for Benefits?

A COLA only applies if you are already approved. If you cannot work because of a medical condition, you may be wondering whether to apply. It helps to know what SSI is and how it differs from SSDI. SSI is based on financial need, while SSDI is based on your work history.

Applying for the first time can feel overwhelming. There are forms, medical records, and deadlines, and your claim can be denied if information is missing. Read about first-time applications to learn what Social Security looks for.

Already Denied? You Still Have Options

Many people are denied the first time they apply, but a denial does not always mean the end of your claim. You usually have limited time to appeal, so act quickly. Learn what to do after a denial, or see how London Disability helps at each step.

You may find that professional guidance reduces stress and helps you navigate a complicated system. Whether you are just getting started, waiting for a decision, or appealing a denial, working with an experienced team such as London Disability can help you better understand your options and focus on building the strongest claim possible.

If you have questions about your disability claim, visit the Frequently Asked Questions page or request a free case review to learn more about your next steps.