Born Before 1967? 4 Social Security Changes Coming in 2027

Born before 1967? Four Social Security changes land in 2027. This plain-English guide covers the officially announced changes: the 3.6% cost-of-living raise (average retired worker up about $75 a month to $2,170), the new $192,300 payroll tax cap and what it costs high earners, the higher earnings-test limits for working while you collect ($25,560 / $67,920), and the arrival of the age-67 full retirement age for everyone born in 1960 — plus the new disability thresholds and the $4,188 maximum benefit. Educational information only, based on the Social Security Administration's official 2027 fact sheet and retirement-age pages. Not financial, tax, or legal advice. Medicare's 2027 Part B premium is announced separately by CMS (expected November 2026). Confirm your own numbers at ssa.gov before you decide. Chapters: 0:00 Born Before 1967? Start Here 1:05 Change 1: The 3.6% Raise 4:12 Change 2: The $192,300 Tax Cap 6:41 Change 3: New Earnings-Test Limits 8:57 Change 4: Full Retirement Age 67 Arrives 11:06 The Decision Framework: 62, 67 or 70? 13:10 Bonus: More Official 2027 Numbers 14:28 Five Mistakes to Avoid 15:55 Your 5-Step Checklist Before December 31 16:57 Recap: 2027 in One Picture Subscribe for Social Security, Medicare, and retirement explained in simple English.