Your January 2027 Social Security Check: Multiply by 1.036
By Daniel Kim Your January 2027 Social Security payment is your December 2026 benefit before deductions multiplied by 1.036. That single multiplication is the whole 3.6 percent cost-of-living adjustment (COLA) announced by the Social Security Administration: benefits rise 3.6 percent beginning with December 2026 benefits, which are payable in January 2027. If your December benefit before deductions was $2,000, your January benefit before deductions should be $2,072; if it was $1,000, it should be $1,036. The amount in your bank account can still be lower, because the standard Medicare Part B premium is deducted from most checks, so compare the before-deduction amounts first and check each deduction second. If you receive Supplemental Security Income (SSI), your January payment normally arrives at the end of December, because January 1 is a holiday. This post walks you through the exact check in your my Social Security account, so you can confirm your own number and know what to do if...