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Just Days Away: Social Security to Announce 2027 COLA Increase

Published in RINewsToday on October 12, 2026

In just a few days, nearly 279,000 Rhode Islanders who rely on Social Security and Supplemental Security Income (SSI) will learn how much their monthly checks will increase in 2027 when the Social Security Administration (SSA) announces next year’s cost-of-living adjustment (COLA). Social Security recipients will see the increase in January, while SSI recipients will receive their adjusted payments on Dec. 31, 2026, because New Year’s Day is a federal holiday. The additional income will help them keep pace with rising costs.

Older Rhode Island beneficiaries will be joining 75 million Americans—including roughly 71 million Social Security beneficiaries and between 7.3 and 7.5 million SSI recipients—awaiting this highly anticipated news.

SSA is expected to announce the official 2027 COLA on Wednesday, Oct. 14, following the release of September inflation data by the U.S. Bureau of Labor Statistics.

According to the Virginia-based The Senior Citizens League (TSCL), the SSA’s COLA for 2026 was 2.8 percent, somewhat higher than the 2.5 percent COLA implemented at the start of 2025. TSCL predicts that the COLA for 2027 will tick up to 3.5 percent.  AARP experts project an even higher COLA increase for 2027 than TSCL estimates, at 3.6 percent.

Congress enacted the COLA provision as part of the 1972 Social Security Amendments, and automatic annual COLAs began in 1975, says SSA, noting that before then Congress could only increase this benefit through special legislation.  The new provision tied COLAs to the annual increase of the Consumer Price Index (CPI-W).

SSA calculates the COLA by comparing the average CPI-W for July, August and September with the average for the same three months of the previous year.  The percentage is rounded to the nearest tenth of one percent and determines the annual adjustment.

With the 3.5 percent projection, the average beneficiary’s monthly benefit increases by $67.90. The current average beneficiary receives $1,940.08 in their monthly Social Security check. With a 3.5 percent COLA, that would rise to $ 2,007.98, estimates TSCL

If TSCL’s calculation holds, the 2027 COLA would land right in the middle of the ranking historically—ranking 19th among all COLA adjustments since the federal government started using its current inflation math in 1977. By comparison, the recent boost seniors received at the start of 2026 was a bit more modest, tying for 27th place.

“The biggest thing we’re watching with the COLA announcement coming are short-term shocks to the economy that push inflation way up or down in the next 30 days. Of the three CPI-W figures used to calculate the COLA, two are already in,” said TSCL Executive Director Shannon G. Benton in a statement releasing the 2027 estimated projections.

“No matter if the COLA announcement comes in slightly higher or slightly lower than our prediction, seniors will probably end up disappointed in the long run,” said Benton, noting that older Americans allocate their budgets differently than people still in the workforce, so inflation hits them differently. The consumer price index (CPI) captures the experience of urban wage earners, which doesn’t represent the average senior’s budget, she adds.

“The COLA only happening once a year puts life on hold for a lot of seniors. When prices rise, they don’t rise next January when your benefit check goes up. They rise right now. We need to consider COLAs that compound quarterly or monthly so seniors can keep up throughout the year when inflation comes in above Federal Reserve targets, like in 2026,” adds Benton.

Advocates Push for CPI-E Index

In a recent AARP Sept. 11 blog post, “Social Security COLA 2027: An Early Look at How Much Payments Could Increase,” writer Deirdre Shesgreen interviewed Rich Johnson, the vice president for financial security at the AARP Public Policy Institute. Johnson emphasized that the organization’s COLA forecast is meant to give older adults a head start on managing their 2027 finances.  “Family budgets have been under increasing pressure because of rising prices,” Johnson noted. “The sooner that we can give them reliable information as to how much their benefits might [increase next year], the sooner they can start planning,” he said.

“Most seniors depend on Social Security for some or all of their income, and the program’s annual Cost of Living Adjustments (COLAs) for inflation help keep them from falling behind,” says Max Richtman, President & CEO, National Committee to Preserve Social Security & Medicare, noting that even the estimated 3.5-3.6% increase will barely be enough for seniors to tread water.

“That’s because the COLA is based on an inflation index that does not account for the impact of inflation on seniors’ true expenses, especially health care costs – which are rising faster than the general inflation rate,” said Richtman, calling for the adoption of the CPI-E (Consumer Price Index for the Elderly).  This CPI index is designed to better reflect older American’s spending patterns.

“What we know is that when the COLA is announced, it will be far too low to make up for the crushing prices everybody is facing right now. But seniors and those on fixed incomes are being crushed the hardest,” said Alex Lawson, Executive Director of Social Security Works.

His concerns come as Census Bureau figures show that the poverty rate among Americans aged 65 and older rose from 9.4 percent in 2020 to 15.4 percent in 2025, according to the Supplemental Poverty Measure, which accounts for medical expenses and other living costs.

“And still Republican proposals, when we see them, include provisions to cut back on the COLA, which is just a cruel benefit cut. We need to expand Social Security, increase benefits, raise the COLA, and pay for it by having billionaires pay the same rate on all of their income into Social Security. Just like the rest of us do,” argued Lawson.

Improving SSA’s Benefit Calculation Formula

TSCL advocates for the Social Security 2100 Act, legislation championed by Congressman John Larson (D-Connecticut), first introduced in 2017 and reintroduced in 2026.

Lawmakers reintroduced this legislative proposal to provide long-term relief to seniors losing buying power due to high inflation.  The bill would raise benefits by 2%, set the new minimum benefit to 125% of the Federal poverty line, change the COLA calculation to the CPI for the Elderly (CPI-E), and improve the benefits calculation formula, said TSCL.

“Although the Social Security 2100 Act is unlikely to pass in the current Congress, it should.  The bill is the gold standard for Social Security reform and accomplishes the majority of changes older Americans want to see in the program,” says TSCL’s Benton in a statement released on July 14. “The reality is that poverty is increasing rapidly among American seniors, who make up the fastest-growing portion of the homeless population. Adjusting the minimum benefit to above the Federal poverty line would almost certainly slow this trend, although more holistic efforts may be required to stop it entirely,” she says.

Rhode Island Leads Nation with First Ever U.S. Menopause Workplace Protections

Published in Blackstone Valley Call & Times on July 1, 2025

In 2012, Rhode Island became the first state to pass a Homeless Bill of Rights. Three years later, it led again by banning the use of bullhooks on elephants. In 2021, the state once more broke ground by establishing legally sanctioned, medically staffed drug injection facilities to combat overdose deaths. As the General Assembly concludes its 2025 session, lawmakers mark yet another national first—enacting workplace protections for women experiencing menopause.

Most women begin the menopause transition in their 40s or 50s, with symptoms typically lasting between three and seven years. During this time, they may experience hot flashes, insomnia, night sweats, migraines, heart palpitations, anxiety, panic attacks, brain fog, and other debilitating symptoms caused by declining estrogen. 

Many are unprepared for the onset and lack sufficient support or guidance—particularly when it comes to managing symptoms in the workplace.

Governor Dan McKee has signed into law legislation (S 0361), introduced by Sen. Lori Urso (D-Dist. 8, Pawtucket), to support women experiencing menopause under the state’s fair employment statute—making Rhode Island the first state to explicitly enact such workplace protections. A companion bill (H 6161) was introduced by Rep. Karen Alzate (D-Dist. 60, Pawtucket, Central Falls) and passed by concurrence.

Rhode Island law already prohibits workplace discrimination related to pregnancy, childbirth, and associated conditions. This includes requiring employers to provide reasonable accommodations and protecting individuals from being denied employment opportunities or promotions—or from being terminated—due to these conditions. The new law adds menopause to this list of protected health conditions.

“Menopause is a difficult and personal subject that has been stigmatized in this country,” said Sen. Urso in a statement announcing the bill’s passage. “But as something that affects half our population, it’s time we recognize it as a workforce issue—especially as our workforce ages along with our population. The current lack of protections contributes to inadequate retirement savings and lost leadership opportunities for women and poses an economic challenge for employers facing workforce shortages and the loss of experienced employees,” she says.

“Menopause is not something women choose to experience, and its effects on the mind and body can significantly impact daily life and job performance,” said Rep. Alzate. “Women should not have to risk being penalized or discriminated against at work due to a naturally occurring biological transition.”

“Women’s health care is a vital component of a healthy workplace,” said Patrick Crowley, president of the Rhode Island AFL-CIO. “That’s why it’s essential to extend the fair employment practices law to include menopause-related conditions. All workers deserve to be treated with dignity and respect, regardless of their health status.”

Madalyn McGunagle, policy associate at the Rhode Island ACLU, added, “Menopause is a natural and common phase of life, yet its symptoms can have profound and lasting impacts. By extending legal protections, we ensure women are afforded the accommodations they need to continue working effectively.”

Growing Recognition of Menopause in the Workplace

According to Urso, Rhode Island is home to 917,000 working-age residents. Of these, 13% are between the ages of 45 and 54, and 16.5% are between 55 and 65. The state has a higher percentage of older workers compared to the national average, with women representing 45% of workers aged 55 and older. Based on this data, it is estimated that there are 64,000 women between the ages of 45 and 54, and 35,000 women aged 55 to 59.

Urso further estimates that nearly 100,000 women in the state may experience menopausal symptoms at any given time, accounting for more than 10% of Rhode Island’s entire working-age population.

According to the U.S. Bureau of Labor Statistics, 75% of women in the U.S. labor force are working during their menopause transition years, making workplace engagement around women’s health issues vital.

“Addressing menopause in employment practices is critical because it affects employee well-being, retention, and productivity,” said Angela Lima, policy and advocacy program director at the Women’s Fund of Rhode Island. “These changes benefit both workers and employers.”

A Mayo Clinic study estimated that menopause symptoms cost U.S. businesses $1.8 billion in lost productivity annually. The study’s coauthors urged employers to update workplace policies to better support their female employees.

In Sept. 2024, Bloomberg news tackled the issue of menopause, putting the spotlight on millennial women.  The findings indicate that 70% of these individuals would consider either reducing their hours, changing jobs, or retiring early due to their symptoms.

Urso noted that this study also found that 61% expressed concerns about dealing with menopause while working, and a third worried it would damage their career  growth.  “If this is indeed the case, employers will lose more in the long-run if they’re losing leadership and trying to rehire in those situations,” she says.

And in Jan. 2024, January, the Society for Women’s Health Research released findings from its Employee Perspective and Challenges Concerning the Transition of Menopause (EMPACT Menopause) Study. The goal was to better understand the workplace experiences of those who have gone through menopause, as well as their colleagues and supervisors.

Key findings from the EMPACT study include:

  • 59% of women felt uncomfortable requesting accommodations.
  • Only 31% felt comfortable discussing menopause at work.
  • 2 in 5 women considered leaving or did leave their jobs due to symptoms.
  • 1 in 6 supervisors expressed discomfort providing accommodations.
  • While half of supervisors had spoken with employees about menopause, 14% had not but wanted to.

Bringing Menopause Out of the Closet

In her article “It’s Time to Address Menopause at Work,” Claire Hastwell, content program manager at Great Place to Work, calls for employers to support women with menopausal symptoms. She notes this can improve employee well-being, retention, and business outcomes.

“But women who grapple with menopause rarely find workplace support, official company guidelines, or a sympathetic ear,” she writes. “Employees experiencing menopause need to know their employer has their back. Without support, businesses risk losing some of their most senior and skilled workers.”

Supporting menopausal women in the workplace can enhance retention and engagement, boost productivity, reduce health risks, and improve morale, Hastwell adds.

It’s time to stop sweeping menopause under the carpet. Rhode Island’s new law creates a menopause-friendly workplace—and offers a model for other states to follow.

For a copy of the EMPACT Menopause Study, visit:
http://swhr.org/wp-content/uploads/2024/03/FINAL-Menopause-Workplace-Fact-Sheet-02012024.pdf

To read more on creating supportive workplaces, visit:
https://www.greatplacetowork.com/resources/blog/support-menopausal-women-workplace

New Census data reports the graying of U.S. population 

Published in RINewsToday on June 26, 2023

The nation’s population continues to gray and this is documented by a series of demographic profiles from the 2020 Census recently released. The release of this updated census data must be a wake-up call to Congress and federal and state officials who oversee aging programs and services.

According to Zoe Caplan, statistician demographer in the U.S. Census Bureau’s Sex and Age Statistics Branch, the U.S. population age 65 and over grew from 2010 to 2020 at the fastest rate since 1880 to 1890. The nation’s over-age-65 population grew nearly five times faster than the total population over the 100 years from 1920 to 2020, says Caplan in a May 25, 2023 posting on the agency’s website.

In her posting, Caplan says that in 2020, a whopping 1 in 6 people in the United States were age 65 and over. In 1920, this statistic was just 1 in 20. 

The 2020 Census reported that the older population increased by 50.9 million, from 4.9 million (or 4.7% of the total U.S. population) in 1920 to 55.8 million (16.8%) in 2020. This represents a growth rate of about 1,000%, almost five times that of the total population (about 200%).

Growth in older population spiked 2010-2020

According to Caplan, the older population has been growing for the past century but the decade before 2020 saw its fastest increase since 1880 to 1890. “From 2010 to 2020, the age 65 and over population experienced its largest-ever 10-year numeric gain — an increase of 15.5 million people. The next largest 10-year numeric increase, 5.7 million between 1980 and 1990, was less than half that size,” she says.

From 2010 to 2020, Caplan stated that the 65 and over population experienced the largest-ever percentage-point increase, from 13.0% to 16.8% of the total population. “Before 2010, it took 50 years (from 1960 to 2010)  for the nation’s older population’s share of the total population to grow by the same number of percentage points,” she said.

The 2020 Census Data reveals that while the nation’s population grew from 2010 to 2020, the size and rate varied by age groups for other age groups. The 65 to 74 age group was the largest of the older cohort groups, with 33.1 million people, representing over half of the age 65 and over population (or 1 in 10 Americans), she said.

“The 65 to 74 age group experienced the largest growth of any older age group the previous decade,” says Caplan, noting that its numbers grew by 11.4 million or (52.5%), increasing from 21.7 mil­lion in 2010 to 33.1 million in 2020.  

Caplan says that the 75-to-84 age group grew at about half that rate (25.1%) but is expected to pick up the pace in the next decade as baby boomers age into this group. Additionally, she noted that the 85-to-94 age group had a relatively slower growth (12.6%) than other older age groups, increasing from 5.1 million to 5.7 million.  The population 95 years and over also expe­rienced a large growth rate (48.6%), increasing from about 425,000 in 2010 to 631,000 in 2020, she added. 

The 2020 date also indicated that for those people age 70 and over, males experienced a larger percentage growth between 2010 and 2020 (42.2%) than females (29.5%). Meanwhile, the percentage of centenarians have grown 50% since 2010, the fastest recent census-to-census percent change for that age group.  

Finally, while the U.S. population age 65 and over population grew, the Census 2020 data indicated that the nation’s population remained relatively young when compared with other nations. Caplan noted that Japan has the largest percentage (28.5%) of older residents.  Many European countries, along with Canada and Hong Kong, have larger percentages of older residents than the United States, says Caplan, noting that the United States ranked 34th (16.8%) among these places.

Japan had the largest share (28.5%) of older residents. The United States ranked 34th (16.8%) among these places. Many European countries, along with Canada and Hong Kong, had higher shares of older residents than the United States, adds Caplan.

Nation’s median age creeps closer to Age 40

Just last week, the U.S. Census Bureau reported that the nation’s median age increased by 0.2 years to 38.9 years between 2021 and 2022.  Median age is the age at which half of the population is older and half of the population is younger.

“As the nation’s median age creeps closer to 40, you can really see how the aging of baby boomers, and now their children — sometimes called echo boomers — is impacting the median age. The eldest of the echo boomers have started to reach or exceed the nation’s median age of 38.9,” said Kristie Wilder, a demographer in the Census Bureau’s Population Division in a statement released on June 22, 2023.

“While natural change, nationally, has been positive, as there have been more births than deaths, birth rates have gradually declined over the past two decades. Without a rapidly growing young population, the U.S. median age will likely continue its slow but steady rise,” she says.

According to the statement, a third (17) of the states in the country had a median age above 40.0 in 2022, led by Maine with the highest at 44.8, and New Hampshire at 43.3. Utah (31.9), the District of Columbia (34.8), and Texas (35.5) had the lowest median ages in the nation. Hawaii had the largest increase in median age among states, up 0.4 years to 40.7.

No states experienced a decrease in median age. Four states — Alabama (39.4), Maine (44.8), Tennessee (39.1), West Virginia (42.8), and the District of Columbia (34.8) — had no change in their median age from 2021 to 2022.

Can Rhode Island cope with a population growing older?  

“It is no secret that the Rhode Island population is growing older,” says Maureen Maigret, Chair of the Aging in Community Subcommittee of the Long-Term Care Coordinating Council, whose Subcommittee was charged with looking at Rhode Island’s older population, its demographics, services and programs to assist them to age in place in the community along with identifying gaps in services. “We issued a comprehensive report in 2016 showing that persons age 65 and over in Rhode Island would go from 14.4% of the state population in 2010 to 25% by 2040,” she said.  

According to Maigret, the US Census 2021 estimates shows the state’s 65 and over population is now at 18% and some its communities have already reached 20%. “Our older population is also becoming more diverse. White older adults went from 93.4% in 2010 to 86.4% in 2021 (RI Healthy Aging Data Report.) while Hispanic older adults increased from 3.8% to 6.5%. Our Subcommittee continues to work to implement recommendations we made in nine different areas important for aging in the community,” adds Maigret, noting that she has been working with advocates and legislative champions to implement and put them into law or practice.

“We have made some significant progress in expanding home care for those not impoverished enough to be on Medicaid, to expand respite services for caregivers and this year to fund the Office of Healthy Aging and Disability Resource Center. But we still have much more work to do,” says Maigret.

“I am especially concerned that studies show some 80% of persons age 65+ will not be able to afford two years of home care and many may need more than that. So that is something we need to address by changes in Medicaid and Medicare providing support for unpaid family caregivers who provide enormous amounts of long-term care to loved ones in need.  We also be providing more funding for local senior center programs that are shown to promote health and reduce social isolation with its negative health outcomes,” says Maigret.

Maigret says that funding for the Village Common of RI that, an organization that provides trained and vetted volunteers in local villages to provide supports such as transportation to medical appointments, grocery shopping, friendly visits, minor home tasks — all types of supports to help older adults remain in their own homes, should also be allocated. “More communities are interested in starting these types of volunteer programs of mutual support but funding is needed to support the infrastructure,” she advises.  

Maigret expresses concern that so many older Rhode Islanders are economically insecure. Twenty seven percent of older households are living on less than $25,000/year yet it costs an older Rhode Island couple in good health renting their home about $41,448 annually to meet basic living expenses (Elder Index).

“Economic insecurity is a special problem for older women who comprise 56% of the state’s 65 and over population and are more likely to live alone,” she says noting that their average Social Security checks amounts to $11,584 compared to $14,578 for men, and mean personal income for women is about $25,000 less than older males.

Maigret encourages state leaders to pay attention to these “age-related” demographics as they consider budget and policy priorities. And she would like to see each of the state’s communities assess their age-friendliness, like Newport, Cranston and Providence have done.” Other communities should follow Pawtucket’s lead of promoting fitness for older adults by creating  adult outdoor exercise area adjacent to its senior center or in local parks.

Addressing the State’s Shrinking Health Care Workforce

“The main focus in addressing issues related to meeting the needs of the state’s growing older population is to address the critical need for a robust healthcare workforce,” says John Gage, President & CEO of the Rhode Island Health Care Association.  “Reimbursement must support appropriate staffing levels at livable wages throughout the long-term care continuum – home care, assisted living residences and nursing facilities,” he says. 

“As the generations shift, there will be a greater need for long-term care supports and services with a shrinking workforce.  Sustainable funding is essential to the ability to provide this care, and it has never been more evident than today,” warns Gage.  “In the wake of the Covid-19 pandemic, current statistics from the U.S. Bureau of Labor Statistics indicate that Rhode Island’s nursing home workforce is down some 20% from pre-pandemic levels,” he says, stating a detailed analysis of the workforce for hospitals and nursing homes indicates that  nursing home RNs have declined by 16.5%, LPNs by 18.3% and CNAs by 25.4%.  It is estimated that, nationwide, recovery of the nursing home workforce will not occur until 2027 based on the small, incremental improvements quarter over quarter, adds Gage.

“Presently, 17% of our neighbors are aged 65 and older, and nearly a quarter (24%) are age 60 and above!  Recognizing this trend, we are actively engaged in anticipating and meeting the needs of our growing population of older adults in our state,” says Director Maria Cimini, of the Rhode Island’s Office of Healthy Aging.

“At numerous State and non-profit spaces, we are present to ensure that the needs of older adults are central to discussions surrounding  health care, housing, transportation, education, accessible communities, and caregiving,” she adds.

“We embrace the opportunity presented by the recently passed Legislative Commission to Study the Services and Programs for Older Adults to collaborate with Rhode Islanders working with seniors. Together, we will share our experience with aging populations, promote valuable resources, and identify what we all need to make RI a great place to grow up and grow old,” says Cimini.

For a copy of the 2020 Census Brief, “The Older Population: 2020,” go to https://www2.census.gov/library/publications/decennial/2020/census-briefs/c2020br-07.pdf.

For a copy of the LTCCC’s Aging in Community Subcommittee June 2016 Report, “Aging in Community” go to  https://www.rilegislature.gov/Reports/AiC%20Full%20Final%20Report%206.13.16.pdf.

For a copy of the LTCCC’s Aging Community Subcommittee December 2016 Strategic Plan, “Aging in Community, go to https://www.rilegislature.gov/Reports/Building%20an%20Age-Friendly%20Community.pdf.

For a copy of Rhode Island Healthy Aging Data 2020 Report, go to

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