The Social Security Administration announced a 3.6% cost-of-living adjustment for 2027 on October 14, 2026. The increase is automatic. You do not need to pay a fee, activate your raise, or respond to an unsolicited message to receive it.
Scammers do impersonate Social Security. They may send emails or texts that look official, claim there is a problem with your account, or pressure you to provide personal information. Some scams aim to gain access to your account or persuade you to redirect your benefit payments.
The Social Security Administration’s Office of the Inspector General has documented scams involving requests to change direct-deposit information to prepaid debit cards. It has also warned about fraudulent emails designed to steal personal information.
How to protect yourself
- Don’t click links in unexpected messages claiming your COLA is on hold or your benefits will be suspended.
- Never share your password or one-time authentication code with someone who contacts you unexpectedly.
- Don’t change your direct-deposit information at the direction of an unsolicited caller or message.
- To check your benefits, type ssa.gov directly into your browser and sign in to your my Social Security account.
- If your direct deposit has been changed without your permission, contact Social Security directly at 1-800-772-1213.
- If you believe your account information has been compromised, ask SSA about blocking electronic access to your record.
- Report suspected Social Security scams to the SSA Office of the Inspector General. You can also report fraud to the Federal Trade Commission.
The Watchdog Takeaway
Your 2027 COLA doesn’t need activation. Treat urgent messages demanding account verification with suspicion, and contact Social Security through an official channel before taking action.
Evidence: Strong
STRONG for the documented impersonation scams and the automatic COLA process; no verified evidence of the alleged $34 million campaign.
Official sources
- Social Security Administration — 2027 COLA announcement
- SSA Office of the Inspector General — Beware of Direct Deposit Offers Tied to Prizes
- SSA Office of the Inspector General — Warning About Fraudulent Social Security Statement Emails
- SSA — Protecting Your Social Security Number and Keeping Your Information Safe
- Federal Trade Commission — How to Avoid a Government Impersonation Scam
About this information
Senior Life Watchdog provides general public information and is not a government agency, law firm, financial advisory service, or healthcare provider. This information is intended to help readers understand changes and locate official resources. Rules can change and individual eligibility depends on your circumstances. Always verify important information with the appropriate government agency or qualified professional before making financial, legal, or healthcare decisions.
Last verified: October 14, 2026
We’ll update this page when official information changes.
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