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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.

Shoring Up the Nation’s Fraying Social Safety Net

Last week, AARP Foundation announced its analysis of newly released Census data on poverty, income and health insurance coverage in 2025.

“At first glance, it sounded like good news,” observed AARP Foundation President Claire Casey during an 18-minute virtual media briefing on Sept. 24. “Poverty fell, and household income hit a record high, but the headlines can be deceiving and not reflect what is happening to older Americans,” she said.

Casey stressed to attending journalists that the key takeaway was that senior poverty, measured using the Supplemental Poverty Measure (SPM), has risen for the fifth consecutive year, a trend not seen by any other age group. The SPM accounts for unavoidable costs like housing and health care.

According to the SPM, more than 10 million people age 65 and older are living in poverty, a number that has jumped roughly 45% since 2019. “And for perspective, we’re talking about an incredibly low bar. For a single renter, the poverty line starts at just over $19,000 a year,” Casey said.

Between 2020 and 2025, the percentage of Americans 65 and older living in poverty increased from 9.4% to 15.4%, according to the SPM, the largest increase for any age group measured.

Casey also highlighted the continuing economic disparities facing older women, whose poverty rate is about 17%. She attributed this, in part, to lifetime inequalities, including the gender pay gap and career interruptions for child care and elder care.

Taking a Look at Poverty Before Retirement

To better understand why senior poverty keeps rising, Casey argues that we have to look at what happens before people turn 65.

While discussing the newly released Census data, Casey compared it with findings from AARP Foundation’s new Economic Security Monitor, a quarterly survey tracking financial stability among adults age 50 and older living on low incomes.

The latest Monitor found significant hardships among adults ages 50 to 64, a group traditionally considered to be in their peak earning years.

Nearly one-third reported running out of food before they had money to buy more, 70% said their household expenses had increased in just the last three months, and one-third could not cover an emergency expense of more than $100.

Many assume that employment in their 50s brings peak financial stability, but for millions of Americans preparing to retire, the numbers tell a different story.

More than 7 million people between ages 50 and 64, about one in eight, are already living in poverty, Casey pointed out.

“That’s our warning sign. If people are already struggling this much before retirement, we know where they are headed,” Casey said, noting that “we have to act now or senior poverty will keep rising.”

“But what’s even more troubling is that you don’t have to be in poverty at 55 to age into it,” Casey warned. An individual can work full-time throughout a career, do everything right, and still end up impoverished in retirement. Only one in four older adults with low incomes has access to a workplace retirement plan, she noted.

Casey also pointed to problems facing low-income workers between ages 50 and 64, particularly those who lose jobs or work in low-paying occupations because of age discrimination or early health complications. They are more likely to experience long-term unemployment, and only 10% will find a new job with equal or higher pay, she said.

Programs exist to help seniors facing poverty, but getting those benefits can be difficult. “Older adults miss out on an estimated $58 billion in benefits each year because the system is hard to access,” Casey said.

“As Supplemental Nutrition Assistance Program (SNAP) and Medicaid requirements change, I worry that eligible people, especially those 55 to 64, will lose access,” Casey said, stressing the importance of maintaining these lifeline benefits and helping states deliver them more effectively.

“Each year since 2020, more and more older adults have fallen into abject poverty,” Casey said. “Today’s release confirms what we see every day in our work—that rising prices, an eroding social safety net, and diminishing access to quality jobs are creating extreme precarity for older adults in our communities.”

Advocacy Groups Weigh In

Max Richtman, President and CEO of the National Committee to Preserve Social Security and Medicare, says the Census numbers underscore the need to protect Social Security as Congress considers how to address the program’s long-term financial shortfall.

“The 2025 Census poverty data and AARP analysis make one fact unmistakable: retirees and future retirees are being pushed into deeper economic insecurity,” Richtman said. “Cutting earned benefits would intensify the crisis,” he cautioned.

The National Committee believes Congress should require wealthy Americans to contribute more to extend Social Security’s solvency while improving benefits for current and future generations.

Here in Rhode Island, advocates say the numbers tell a similar story.

Carol Anne Costa, Executive Director of the Senior Agenda Coalition of Rhode Island (SACRI), points to Census data, the Elder Index, and United Way of Rhode Island’s ALICE report as evidence that many older Rhode Islanders struggle to pay for housing, food, health care, utilities, and transportation.

“The data tells a troubling story,” Costa said. “The share of older Rhode Island households living below the federal poverty level rose from 8.9 percent in 2019 to 12.3 percent in 2024. This is not an abstract statistic, she said, noting it represents older adults having to make impossible choices between paying rent, filling prescriptions, keeping the heat on, or buying groceries.

Costa added that one in four older Rhode Island households has income below $25,000 a year. According to the 2026 Elder Index figures cited by SACRI, an older adult renter in good health needs approximately $34,152 annually to meet basic expenses. An older couple in poor health who own their home needs approximately $45,996.

But poverty statistics alone do not tell the whole story.

“The federal poverty measure does not capture the full extent of hardship facing older adults,” said Maureen Maigret, SACRI Policy Advisor. She pointed to the recent United Way of Rhode Island ALICE report, which found that 53% of older Rhode Islanders do not have enough income to meet necessities.

“This situation is getting worse, not better,” Maigret said. “Rhode Island must treat affordability impacting older adults as an urgent public policy priority.”

SACRI is urging state policymakers to move forward with its Older Adult Affordability Agenda, beginning with eliminating the asset limit for the Medicare Savings Program.

“Eliminating the asset limit would allow thousands more eligible older Rhode Islanders and people with disabilities to qualify for help with their Medicare Part B premiums,” Maigret said. For eligible individuals, she noted, that can mean savings of at least $2,400 each year because the federal government pays the Part B premium.

Costa calls it a practical solution that would put money back into the pockets of low-income older adults while bringing additional federal dollars into Rhode Island.

The Economic Progress Institute (EPI) also warns that the federal poverty numbers do not fully capture the financial squeeze facing Rhode Islanders.

Nina Harrison, EPI’s Policy Director, points out that although the Census Bureau’s Official Poverty Measure fell by 0.5 percentage points nationally in 2025, the broader Supplemental Poverty Measure did not change significantly. She contends that even though incomes may have risen, they did not rise enough to offset higher costs.

Harrison also warns that changes in federal healthcare and food assistance policies will put additional pressure on low-income Rhode Islanders. She cited the loss of enhanced Affordable Care Act tax credits and federal changes to SNAP and Medicaid as particular concerns.

EPI’s 2026 Rhode Island Standard of Need report, scheduled for release Monday, takes a closer look at what Rhode Island households need to cover basic living expenses. Harrison says its findings show that nearly 40% of Rhode Island households cannot afford their basic needs, including many older residents. More than half of Rhode Island women age 65 and older who live alone cannot meet their basic needs, she said.

“Without significant intervention and harm reduction, OBRA and related federal policies are sure to increase the poverty rate and human suffering,” Harrison warned.

She is urging the General Assembly to find ways to protect food and healthcare assistance for Rhode Islanders who lose federal benefits and to strengthen other programs serving low-income residents.

A Final Note…

As previously stated, the numbers the Census Bureau released tell us something important. The nation’s overall poverty rate may have fallen in 2025, but millions of older Americans are being left behind.

Casey’s warning at the start of the press briefing deserves the attention of Congress and state legislatures. Since millions of older Americans face financial difficulties, it is no surprise that many ultimately end up in poverty after retirement.

For many, the financial problems begin years before they collect their first Social Security check. They retire with little savings, no pension or workplace retirement plan, and not much room in their monthly budget to cover increased rent, a broken refrigerator, or an unexpected medical bill.

AARP Foundation efforts to call attention to senior poverty should serve as a troubling warning to Congress as it debates the future of Social Security, Medicare, Medicaid, the Older Americans Act, and SNAP.

Congress must address Social Security’s long-term financial problems before automatic cuts to program benefits take place in 2032.  Tens of millions of retirees, disabled individuals, and survivors already living on the financial edge would see their situation worsen. Congress must also ensure that changes to the nation’s social safety-net programs don’t make it harder for eligible older Americans to get the help they need.

Rhode Island lawmakers also have their work to do. Eliminating the asset limit for the Medicare Savings Program would be one concrete step toward helping low-income older Rhode Islanders stretch their limited monthly incomes.

To review AARP Foundation’s June 2026 Economic Security Monitor (full report), go to  AARP Foundation Economic Security Monitor Fact Sheet.

To review AARP Foundation’s June 2026 Economic Security Monitor (fact sheet), go to AARP Foundation Economic Security Monitor Fact Sheet

Download the U.S. Census Bureau’s 2025 Poverty Report,  go to Income, Poverty and Health Insurance Coverage in the United States: 2025

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New Detailed Aging Report Will Help Officials, Policymakers

Published in RINewsToday on May 17,2025


By Herb Weiss

In an era of tightening budgets and shrinking federal and state resources for aging programs, legislators, service providers, and advocates now have access to vital data that can help identify and address the unmet needs of older adults in their communities.

Just over a week ago, the Gerontology Institute at the University of Massachusetts Boston released the latest Healthy Aging Data Reports (HADR), funded by the Point32Health Foundation. These reports offer a comprehensive, neighborhood-level view of aging in America—insights often unavailable from other sources.

Rhode Island’s updated report, released on May 1, 2025, follows previous editions published in 2016 and 2020. This year’s release also includes updates for Connecticut, Massachusetts, and New Hampshire, and introduces a first-time report for Maine. The HADR team is now expanding its reach to additional regions, including parts of the Deep South (such as Mississippi) and the West (including Wyoming).

“This is what’s magical about our report: we provide data at very local levels,” says Dr. Elizabeth Dugan, principal investigator and associate professor of gerontology at UMass Boston. “That empowers local advocates, helps policymakers make smarter investments, and allows philanthropists to assess the impact of their contributions,” she says.

The Rhode Island report features 41 community profiles—covering each city and town, along with two neighborhoods in Providence. Drawing on data from the U.S. Census Bureau, Medicare Summary Beneficiary Files, the CDC’s Behavioral Risk Factor Surveillance System, and state health departments, the report highlights disparities that may be hidden in broader state- or county-level statistics.

“What’s powerful about this approach is that we can observe health outcomes that vary dramatically even within a 10-minute walk in the same city,” adds Dugan.

Spotlight on Rhode Island

Several key findings emerged from the 2025 Rhode Island report:

  • Health: Rhode Island ranks highest in New England for rates of high cholesterol, diabetes, hypertension, ischemic heart disease and peripheral hearth disease, stroke, multiple chronic conditions (four or more), and anxiety disorders.
  • Gender Disparities: Women experience anxiety and depression at rates 15% higher than men and are also more likely to suffer from Alzheimer’s disease, schizophrenia, and PTSD.
  • Housing: Roughly 39% of older renters spend more than 35% of their income on housing. Additionally, 46% of Rhode Islanders aged 65 and older report annual incomes under $50,000.

“The Rhode Island Healthy Aging Data Reports are invaluable,” says Maureen Maigret, Policy Advisor for the Senior Agenda Coalition of Rhode Island and a member of several state aging commissions. “They provide essential data down to the ZIP code level, which is useful for legislative testimony, policy recommendations, program planning, and grant writing.”

With Rhode Island’s older adult population rising from 16.5% in 2020 to 18% in 2025, this data is more critical than ever. “The report shows how age and racial diversity vary widely across communities,” Maigret says, noting that in some smaller towns, older adults now make up over 30% of the population.

Maigret notes that availability of localized data helps municipalities develop comprehensive plans and adopt age-friendly strategies. Interactive maps within the report allow comparisons with state averages, making it easier to target resources where they are most needed.

The report also reveals demographic shifts, including a rise in the Hispanic older adult population—from 4.9% in 2020 to 5.9% in 2025. “There are significant racial and ethnic disparities in health outcomes,” says Maigret. “Black and Hispanic older adults are more likely to be dually eligible for Medicare and Medicaid and to be enrolled in Medicare managed care,” she says.

As lawmakers navigate complex budget negotiations and potential changes to federal programs such as the Administration for Community Living, Medicaid, and the CDC, Maigret stresses the importance of leveraging this data in decision-making.

“Despite the growth in our older population and increasing reports of elder abuse, neglect, and substandard nursing home care, the Office of Healthy Aging’s budget has remained relatively flat,” she warns. “With half of its funding coming from the federal government, proposed cuts could seriously undermine vital programs such as the Long-Term Care Ombudsman,” she adds.

The report also shines a light on mental health, showing high rates of depression and anxiety—especially among older women. Maigret believes this supports increased investment in the 988 mental health crisis line and other behavioral health services.

Another notable trend is the continued shift toward Medicare managed care, now covering more than half of Rhode Islanders aged 65 and older. While rates of arthritis and depression have increased, the report also notes a decline in nursing home stays, inpatient admissions, emergency room visits, and several chronic conditions such as diabetes, COPD, hypertension, and heart disease.

Since the 2020 report, communities have taken meaningful steps to support aging in place. “The Village Common of RI has built age-friendly communities that enable older adults to live independently with the care and resources needed to promote health and well-being,” says Maigret. “There are now 11 local villages across 14 communities, supported by trained volunteers who help members stay connected and independent.”

Data Driving Policy and Innovation

Marie E. Cimini, MSW, Director of the Rhode Island Office of Healthy Aging, says the HADR report has broad implications. “As a state agency, we must lead with policies that prioritize inclusion, access, and dignity throughout the aging journey.”

“The report reinforces our commitment to advancing the goals outlined in the RI 2030 Plan, especially around expanding in-home care, supporting workforce development, and strengthening behavioral health services,” Cimini continues. “But it also challenges us to go further—to integrate aging into every aspect of public life and ensure that the voices of older adults inform policy at every level.”

For Meghan Grady, Executive Director of Meals on Wheels of Rhode Island (MOWRI), one of the most important takeaways is the persistence of health disparities, particularly in managing chronic conditions. Grady supports legislation introduced by Sen. Victoria Gu (D-Dist. 38) and Rep. Justine Caldwell (D-Dist. 30) to integrate medically tailored meals into healthcare delivery. “This report validates our advocacy,” she says. “Food is a fundamental part of care, especially for aging populations facing health disparities.”

The HADR report is also proving instrumental for nonprofit organizations. “We use the data in community presentations, grant proposals, and to guide our work in promoting health equity,” says Debra Burton, Executive Director of RI Elder Info. “With so much uncertainty around policy and funding for programs that impact older adults and caregivers, this data helps us identify where changes will have the greatest impact,” she says.

James Connell, Executive Director of Age-Friendly RI, agrees. “The Healthy Aging Data Report is extraordinarily helpful for nonprofits across sectors. I used it to support funding for a home-share program that pairs older homeowners with individuals facing housing insecurity—a creative approach to our state’s housing crisis,” he says.

“The ’25 Healthy Aging Report provides vital indicators of older adult well-being that are essential for policymaking, intentional planning, and program development,” says Connell. “The data highlight serious concerns about the mental and emotional health of our community, with one in three Rhode Islanders experiencing anxiety and/or depression.” Connell also emphasizes the report’s finding that women are disproportionately affected, calling it “a clear call to action for improved screening and more accessible treatment options.”

Greg Shell, Chair of the Point32Health Foundation Board of Directors, emphasizes the value of data in shaping policy. “When we use data to guide our work, we can change policies and practices, engage communities, and highlight what truly matters,” he says. “These reports are essential tools in making New England a better place to grow up and grow old.”

The research team behind the Healthy Aging Data Reports includes: Principal Investigator Elizabeth Dugan, PhD, along with Nina Silverstein, PhD; Qian Song, PhD; Taylor Jansen, PhD; Jay Lee, PhD; Yan-Jhu Su, PhD; Han Lin, PhD; Shan Qu, MS; Tiffany Tang, BS; Jeannine Johnson, PhD; Amanda Cox, MS; and Mengshi Liu.

To access the 2025 Rhode Island Healthy Aging Data Report, visit https://healthyagingdatareports.org/ri/rhode-island-healthy-aging-data-report.