Higher earnings from continued employment could increase monthly benefits for some seniors starting in 2027.
Some working seniors could see higher Social Security checks in 2027 due to increased earnings, separate from annual cost-of-living adjustments. The Social Security Administration calculates benefits based on the 35 highest-earning years, adjusted for inflation.
Those who work beyond 35 years or earn more than in previous years may boost their average indexed monthly earnings. This recalculation occurs annually, even for current beneficiaries, potentially raising future COLAs as they are percentage-based.
Eligibility requires meeting specific work history criteria, but the adjustment could provide an additional financial lift for qualifying retirees.