Millions of Americans relying on Social Security benefits will receive payments starting this June 2025, with many beneficiaries seeing amounts up to $1,999 or more. With the recent 2.5% cost-of-living adjustment (COLA) applied for 2025, recipients can expect slightly higher benefits compared to last year.
Here’s everything you need to know about the upcoming Social Security payments, who qualifies, and when you can expect the money to arrive.
When Will You Receive Your Social Security Payment in June 2025?
The Social Security Administration (SSA) follows a set schedule each month to distribute benefits. Payment dates depend primarily on your birth date and when you first began receiving benefits. Here’s the breakdown for June 2025:
- June 3, 2025: Payment for individuals who started receiving benefits before May 1997, as well as those who receive both Social Security and Supplemental Security Income (SSI).
- June 11, 2025: Payment for beneficiaries with birthdays between the 1st and 10th of the month.
- June 18, 2025: Payment for beneficiaries with birthdays between the 11th and 20th of the month.
- June 25, 2025: Payment for beneficiaries with birthdays between the 21st and 31st of the month.
These dates are set to ensure benefits arrive predictably each month. If you receive both Social Security and SSI, the payment schedule may differ slightly.
How Much Can You Expect? Average Payments Rise to Nearly $2,000
Thanks to the 2.5% Cost-of-Living Adjustment announced for 2025, the average monthly Social Security payment for retired workers rose to approximately $1,999.97. This adjustment is meant to help benefits keep pace with inflation and rising living costs.
The maximum benefit amount also varies depending on your age at retirement:
- If you retire at age 62, the earliest eligibility age, the maximum monthly benefit is around $2,831.
- Waiting until full retirement age qualifies you for higher monthly payments, and delaying retirement until age 70 can increase your maximum benefit to $5,108 monthly.
It’s important to note that individual payments depend on your lifetime earnings and work history.
Who Is Eligible to Receive Social Security Benefits?
To qualify for Social Security retirement benefits in June 2025, you generally need to meet these criteria:
- Age Requirement: You must be at least 62 years old to start receiving retirement benefits.
- Work Credits: You need to have earned enough work credits by paying Social Security taxes. Typically, this means working for at least 10 years.
- Benefit Application: Benefits are not automatic; you must apply through the SSA and set your start date.
If you qualify, your monthly payment amount is calculated based on your lifetime average earnings.
Tips for Ensuring You Receive Your Payments on Time
- Sign up for Direct Deposit: The SSA strongly recommends direct deposit. It is the safest and fastest way to get your benefits. Paper checks mailed through the postal service can be delayed due to holidays, weather, or mail issues.
- Monitor Your Payment Date: Know your payment schedule and keep an eye on your bank account or mailbox on or just after your scheduled date.
- Contact SSA if Payments Are Delayed: If your payment does not arrive within three days after the scheduled date, reach out to the SSA or your financial institution to report the issue.
Important Things to Keep in Mind
- Withholding for Overpayments: Sometimes, the SSA withholds a portion of your benefits to recover any overpayments made to you. This withholding can be up to 50% of your monthly benefit.
- Supplemental Security Income (SSI) Differences: If you receive SSI alongside Social Security benefits, payment timing and amounts might differ due to the separate eligibility rules.
- Changes in Benefits: Life changes such as work status, income, or marital status may impact your benefits, so always update the SSA with relevant information.
How to Check Your Social Security Payment Details
You can check your specific payment information and eligibility status by creating an online account on the official SSA website. The My Social Security portal allows you to:
- View your payment schedule
- Check your estimated benefits
- Update personal information
- Apply for benefits
Create or log in to your account here: My Social Security Account.
What This Means for You
Receiving Social Security benefits can be a critical part of financial planning in retirement or for those unable to work. The 2025 COLA increase means many will see a modest boost to help with rising costs. Knowing your exact payment date and eligibility ensures you’re prepared and can budget accordingly.