Quick answer
The average retired worker's Social Security benefit is estimated at $2,170 a month after the 3.6% COLA in January 2027 (from $2,095); aged couples average $3,355 and disabled workers $1,701, per SSA.
Data as of 2026-10-14. Source: Social Security Administration
| Beneficiary type | Before COLA | After 3.6% COLA |
|---|---|---|
| All retired workers | $2,095 | $2,170 |
| Aged couple, both receiving | $3,238 | $3,355 |
| Widowed mother and two children | $3,932 | $4,074 |
| Aged widow(er) alone | $1,936 | $2,005 |
| Disabled worker, spouse and children | $2,970 | $3,077 |
| All disabled workers | $1,642 | $1,701 |
Related
- Maximum Social Security benefit (2026 and 2027)
- Social Security COLA for 2027
- Social Security COLA history (1975–2027)
- Social Security earnings test limit 2027
- Social Security taxable maximum (wage base) 2027
Last updated 2026-10-16. Data only, not financial or tax advice.