Social Security spousal benefits have gradually increased over time but still fall short of meeting many seniors’ needs. As of April 2026, the average spousal benefit stands at approximately $986 per month, with many individuals receiving even less.
However, there is hope on the horizon as benefits are subject to adjustments. The forthcoming 2027 cost-of-living adjustment (COLA) is set to provide seniors with a boost in their benefits starting in January. Although the specific details are yet to be disclosed, projections indicate that spousal benefits are poised to reach a notable new benchmark.
According to recent estimates from The Senior Citizens League (TSCL), a nonpartisan organization representing seniors, the 2027 COLA is projected to be 3.9%. This figure is a notable increase from earlier projections of 2.8% and underscores growing concerns regarding inflation.
If the 3.9% increase holds true, it would result in a supplemental $38 added to the average spousal Social Security payments. While this may appear modest, it would elevate the average benefit to approximately $1,024 per month for the first time, assuming the COLA stays aligned with current forecasts.
It is important to note that the official COLA for 2027 will be announced by the Social Security Administration in mid-October, leaving some uncertainty until then. Once the official percentage is known, beneficiaries will be able to estimate their new payments by applying the COLA to their existing benefits. Additionally, individuals can expect to receive a personalized COLA notice in December detailing their specific benefit amounts for the upcoming year, allowing them to plan their budgets effectively for 2027.
