根据专家估计，数百万社会保障受益人可能在2027年看到高于平均水平的生活成本调整。
Millions of Social Security beneficiaries may see a larger than average cost-of-living adjustment in 2027, according to experts' estimates.
社会保障局预计将在周三发布新的政府通胀数据时公布2027年的生活成本调整（COLA）。社会保障专家估计，明年的COLA可能使福利增加3.5%至3.6%，这将是三年来的最大增长。
The Social Security Administration is expected to announce the COLA for 2027 on Wednesday with the release of new government inflation data. Social Security experts estimate that the COLA may raise benefits by 3.5% to 3.6% next year, which would be the largest increase in three years.
然而，即使有高于平均水平的增长，受益人仍可能难以负担日常开支。
Yet, even with an above-average increase, beneficiaries may still struggle to cover everyday costs.
根据AARP周一发布的一项调查，50岁及以上成年人中超过四分之三——76%——表示他们认为2027年预计的3.5%社会保障生活成本调整不足。该调查对象为1023名50岁及以上成年人，调查时间为9月17日至21日，误差范围为4.25%。
More than three-quarters of adults 50 years and older — 76% — said they do not think a projected 3.5% Social Security cost-of-living adjustment for 2027 would be enough, according to an AARP survey published Monday. The poll of 1,023 adults ages 50-plus was fielded between Sept. 17 and 21.
“如果生活成本增加更慷慨一些就好了，”新罕布什尔州曼彻斯特市的70岁退休人员多娜·达尔林普尔说。
The survey had a 4.25% margin of error.
达尔林普尔表示，她在被诊断出癌症后于65岁退休，这促使她提前五年领取社会保障福利并开始提取401(k)账户，早于她原本的计划。如今，她担心其他成本上升，特别是医疗保险费用，可能会超过社会保障福利的年度增长，她说。
"I would love it if the cost-of-living increase was more generous," said Donna Dalrymple, a 70-year-old retiree in Manchester, New Hampshire. Dalrymple retired at age 65 following a cancer diagnosis, she said, which prompted her to claim Social Security benefits and start 401(k) withdrawals five years earlier than she had planned.
根据社会保障局的数据，过去十年生活成本调整的平均水平约为3.1%。9月份的估计显示，社会保障生活成本调整可能是三年来最高的。
Today, she worries that other rising costs, particularly those for Medicare, may outpace the annual Social Security benefit increase, she said. Cost-of-living adjustments have averaged about 3.1% over the past decade, according to the Social Security Administration.
非党派老年倡导组织“老年公民联盟”和独立社会保障及医疗保险政策分析师玛丽·约翰逊均预测2027年的COLA为3.5%。与此同时，AARP预测福利将增加3.6%。
In September, estimates showed the Social Security COLA may be the highest in three years. The Senior Citizens League, a nonpartisan senior advocacy group, and Mary Johnson, an independent Social Security and Medicare policy analyst, both forecast a 3.5% COLA for 2027.
上一次受益人看到更大幅度的增长是在2023年，当时生活成本调整（COLA）飙升至8.7% — — 这是四十年来的最高水平 — — 这是由于通胀飙升所致。2022年，受益人看到的增长为5.9%，因为通胀率开始攀升。2026年，社会保障受益人获得了2.8%的福利增长。
Meanwhile, the AARP forecasts a 3.6% increase to benefits. The last time beneficiaries saw a larger increase was in 2023, when the COLA jumped to 8.7% — the highest in four decades — as a result of soaring inflation. In 2022, beneficiaries saw a 5.9% increase as the inflation rate began to climb.
根据老年人联盟（Senior Citizens League）的数据，2027年社会保障生活成本调整若为3.5%，将使平均福利支票每月增加67.90美元 — — 从1940美元增至约2008美元每月。
In 2026, Social Security beneficiaries received a 2.8% boost to their benefits.
生活成本调整可能与估算不同 AARP最近的一项调查发现，10名50岁以上的成年人中有7人表示，5%至8%的增长将足以帮助跟上日常生活成本。
A 3.5% Social Security cost-of-living adjustment for 2027 would increase the average benefit check by $67.90 per month — to around $2,008 per month from $1,940 — according to the Senior Citizens League.
官方社会保障生活成本调整公告预计将在周三发布，它可能与9月的估算不同，因为它将包含一个额外月份的通胀数据。
How COLA may differ from estimates AARP's recent survey found that 7 in 10 adults ages 50-plus said an increase between 5% and 8% would be sufficient to help keep up with the daily cost of living.
约翰逊表示，“通胀的非常剧烈的跳升”可能将社会保障生活成本调整推高至3.6%。但如果通胀低于预期，生活成本调整可能为3.4%，她说。
The official Social Security COLA announcement expected Wednesday may differ from September's estimates, since it will include an additional month of inflation data. A "very stiff jump in inflation" could push the Social Security COLA to 3.6%, Johnson said.
社会保障的生活成本调整会自动应用于福利，以帮助跟上通胀步伐。
But if inflation comes in lower than expected, the COLA may be 3.4%, she said.
自1975年以来，生活成本调整一直每年为社会保障和补充保障收入（SSI）福利进行计算。然而，在某些通胀甚微或几乎为零的年份，生活成本调整为零。
Social Security's cost-of-living adjustment is automatically applied to benefits to help keep pace with inflation. Since 1975, COLAs have been calculated annually for both Social Security and Supplemental Security Income, or SSI, benefits.
“人们对它非常、非常感激，并且他们期待它，”社会保障局局长弗兰克·比西尼亚诺周一在接受CNBC《街头早餐》节目采访时谈到即将发布的生活成本调整公告时如此表示。
However, in some years when there was little to no inflation, the COLAs have been zero.
医疗保险费用可能如何影响生活成本调整 2027年医疗保险费用的上升可能限制社会保障受益人在其月度支票中看到的增长幅度。
"People are very, very grateful for it, and they look forward to it," Social Security Administration Commissioner Frank Bisignano said Monday of the upcoming COLA announcement during an interview with CNBC's Squawk on the Street.
医疗保险B部分的标准月保费通常会自动从社会保障支票中扣除，预计2027年将达到209.50美元，较2026年的202.90美元有所上升。医疗保险B部分覆盖某些医疗必需和预防性服务。如果受益人的收入超过一定门槛，他们可能需要支付额外附加费，称为收入相关月调整额。
How Medicare costs may affect COLA Rising Medicare costs in 2027 may limit how much of an increase Social Security beneficiaries see in their monthly checks. Standard monthly premiums for Medicare Part B, which are typically automatically deducted from Social Security checks, are projected to be $209.50 in 2027, up from $202.90 in 2026. Medicare Part B covers certain medically necessary and preventive services.
与此同时，根据非党派健康政策研究机构KFF的分析，医疗保险D部分处方药计划在2027年可能会出现适度的保费上涨。D部分保费也可能直接从社会保障支票中扣除。
Some beneficiaries may pay extra surcharges, known as Income-Related Monthly Adjustment Amounts, if their incomes exceed certain thresholds. Meanwhile, Medicare Part D prescription drug plans may see modest premium increases in 2027, according to an analysis by KFF, a nonpartisan health policy research group.
特朗普政府最近宣布，将向超过2000万名医疗保险B部分参保人发放一次性90美元直接付款，以帮助支付月度保费成本。
Part D premiums may also be deducted directly from Social Security checks.
新罕布什尔州退休人员达尔林普尔表示，她认为自己不符合该一次性付款的资格，因为该付款通过某些资格标准排除了数百万B部分受益人。达尔林普尔说，她担心2027年医疗保险费用的上涨。
The Trump administration recently announced it is sending one-time $90 direct payments to more than 20 million Medicare Part B enrollees to help pay for monthly premium costs. Dalrymple, the New Hampshire retiree, said she does not think she qualifies for the one-time payment, which excludes millions of Part B beneficiaries through certain eligibility criteria.
“如果医疗保险费用吞噬了生活成本[调整]，我真的会因负担能力危机而受到严重冲击，因为租金在上涨，杂货在上涨，汽油也在上涨，”达尔林普尔说。
Dalrymple said she worries about rising Medicare costs for 2027.
一些民主党人，如参议员罗恩·怀登（民主党-俄勒冈州），参议院财政委员会首席议员，质疑特朗普政府在中期选举前一个月左右发放90美元付款的动机。特朗普总统另外表示，如果共和党保持对众议院和参议院的控制，政府将向每位美国成年公民发放5000美元。
"If Medicare cost eats up the cost of living [adjustment], I'm really going to get slammed by the affordability crisis because rents are going up, groceries are going up, gas is going up," Dalrymple said. Some Democrats like Sen. Ron Wyden, D-Ore., ranking member of the Senate Finance Committee, have questioned the Trump administration's motives to send the $90 payments just a month or so ahead of the midterm election.
比西尼亚诺周一对CNBC表示，这笔90美元的一次性付款是特朗普政府“照顾美国人”的一个例子，旨在努力使弱势群体，包括老年人，摆脱贫困。
President Donald Trump has separately said the government would send $5,000 to every U.S. adult citizen if Republicans retain control of the House and Senate.
蒙彼利埃（佛蒙特州）的凯西·卡拉汉（Kathy Callaghan），80岁，她说她更希望这笔钱被存入医疗保险信托基金 — — 该基金预计将在2033年耗尽资金以支付A部分 — — 而不是通过支票形式发放给美国人。
Bisignano told CNBC on Monday that the $90 one-time payments are an example of the Trump administration "taking care of Americans" and working to keep vulnerable individuals, including the elderly, out of poverty.
卡拉汉表示，她计划将这张90美元的支票捐给詹姆斯·塔拉里科（James Talarico）的参议院竞选活动。塔拉里科是民主党人，也是德克萨斯州众议员，目前正在参加美国参议院的选举。
Kathy Callaghan, 80, of Montpelier, Vermont, said she would have preferred the money had been put in the Medicare trust fund — which is projected to run out of money to fund Part A in 2033 — rather than distributed to Americans through checks. Callaghan said she plans to donate her $90 check to the Senate campaign of James Talarico, a Democrat and Texas state representative running for the U.S. Senate.