Millions of Americans who rely on Social Security and Supplemental Security Income (SSI) will see a shake-up in their June 2025 payment schedule. This year, changes in the calendar, a cost-of-living adjustment (COLA), and garnishment policies are all affecting when — and how much — beneficiaries receive. If you’re depending on these payments, here’s everything you need to know.
No SSI Payment in June? Here’s Why
If you usually receive your SSI payment at the beginning of each month, you may be alarmed when no deposit hits your account in June. But don’t worry — it’s not missing.
This year, June 1 falls on a Sunday, which means the June SSI payment was sent early — on May 30, 2025. The Social Security Administration (SSA) does not issue payments on weekends or federal holidays, so payments are moved to the business day before.
This early deposit doesn’t mean you’ll receive an extra payment — it simply counts as your June payment. The next SSI payment will come as scheduled on July 1, 2025.
Social Security Payment Dates for June 2025
If you receive Social Security benefits (not SSI), your payment date is based on your birth date. Here’s how it breaks down for June:
- June 12 – For those born between the 1st and 10th of the month
- June 18 – For those born between the 11th and 20th
- June 25 – For those born between the 21st and 31st
For individuals who started receiving Social Security before May 1997 or those who get both SSI and Social Security, payments are issued on June 3.
COLA Increase Brings a Boost
There’s a silver lining this year: Social Security recipients are seeing slightly higher checks, thanks to the 2.5% Cost-of-Living Adjustment (COLA) introduced for 2025.
This means:
- The average monthly retirement benefit is now approximately $1,976
- The maximum benefit for someone retiring at age 70 has jumped to $5,108
While these increases help counter rising prices, some advocates argue it’s still not enough to match inflation — especially for fixed-income seniors.
Garnishment Alert: Student Loan Debt Can Affect Your Benefits
Another big change in June 2025 is the resumption of garnishments for defaulted federal student loans. For those who have not resolved their loans, the government can withhold up to 15% of your Social Security check to repay the debt.
However, there’s a protection in place — your check cannot be reduced to less than $750 per month, even with garnishment.
If you’re impacted, it’s crucial to contact your loan servicer or explore options like loan rehabilitation or the Fresh Start program through the Department of Education.
No Extra Check: Clarifying the Confusion
Because of the early payment on May 30 for June’s SSI benefits, many recipients may mistakenly believe they are getting two checks in May and should expect another in June.
To be clear:
- Only one payment per month is issued
- The May 30 deposit covers June
- The next SSI check arrives on July 1
Mark your calendars and avoid budgeting based on the assumption of an extra payment in June.
What to Do If Your Payment Is Late
If your payment doesn’t arrive on its expected date, here’s what you should do:
- Wait three mailing days beyond your expected date.
- If it still hasn’t arrived, contact the SSA at 1-800-772-1213 or visit your local SSA office.
- Ensure your direct deposit or mailing information is up to date to avoid delays in the future.
Conclusion
June 2025 brings several important updates to Social Security and SSI payments, from early deposits due to the calendar shift to ongoing policy changes like student loan garnishments. While the payment schedule may seem confusing at first glance, these adjustments are routine and well-documented by the Social Security Administration. Staying informed, checking official resources, and tracking your payment dates can help you avoid any unexpected surprises. Whether you’re a retiree, a person with disabilities, or someone managing a fixed income, understanding these changes ensures you make the most of your benefits — and maintain financial peace of mind.