The Social Security Administration (SSA) distributes benefits to over 72.5 million Americans monthly, but not everyone receives their payment on the same date. The payment schedule is primarily determined by the recipient’s birth date and the type of benefits they receive.
Key Payment Dates for June 2025
The June 2025 Social Security payment schedule includes four main distribution dates:
| Payment Date | Recipient Category | Birth Date Range |
|---|---|---|
| June 3, 2025 | SSI recipients & pre-1997 beneficiaries | All birth dates |
| June 11, 2025 | Post-1997 beneficiaries | 1st – 10th of month |
| June 18, 2025 | Post-1997 beneficiaries | 11th – 20th of month |
| June 25, 2025 | Post-1997 beneficiaries | 21st – 31st of month |
Note: June 18 payments were delayed by one day due to Juneteenth being a federal holiday on June 19.
Who Gets Paid When: Complete Eligibility Breakdown
Tuesday, June 3, 2025
This date serves individuals who began receiving Social Security benefits before May 1997, as well as those who receive both Social Security and Supplemental Security Income (SSI). This category also includes:
- Recipients living outside the United States
- Beneficiaries whose state pays their Medicare premiums
- SSI recipients with combined monthly income less than $987 in 2025
Wednesday Payment Schedule (June 11, 18, 25)
For beneficiaries who filed claims after May 1, 1997, payment dates are distributed across three Wednesdays based on birth dates. This system helps manage the massive volume of payments processed monthly.
Important: If you receive auxiliary benefits based on someone else’s earnings record (spousal or survivor benefits), your payment date is determined by that person’s birthday, not yours.
2025 Benefit Increases and Changes
Cost-of-Living Adjustment (COLA)
The 2025 COLA increased Social Security benefits by 2.5%, translating to an average increase of $49 monthly for retired workers. This adjustment began with benefits payable to nearly 68 million Social Security beneficiaries in January 2025.
| Benefit Type | 2024 Average | 2025 Average | Increase |
|---|---|---|---|
| Retired Worker | $1,927 | $1,976 | $49 |
| Married Couples | $3,014 | $3,089 | $75 |
| Disabled Worker with Family | $2,757 | $2,826 | $69 |
| Aged Widow/Widower | $1,788 | $1,832 | $44 |
Social Security Fairness Act Impact
The Social Security Fairness Act, signed into law on January 5, 2025, eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). This change resulted in significant benefit increases for certain recipients, with retroactive lump sums distributed in February and higher monthly payments starting in April.
Average increases include:
- WEP-affected recipients: $360 monthly increase
- GPO-affected spouses: $700 monthly increase
- GPO-affected surviving spouses: $1,190 monthly increase
Eligibility Requirements and Work Credits
Basic Eligibility Standards
To qualify for Social Security retirement benefits, you must meet specific work credit requirements. You need 40 work credits to become eligible for benefits, earning up to four credits annually.
2025 Work Credit Thresholds
To earn one credit in 2025, you must have wages and self-employment income of $1,810, requiring $7,240 to earn four full credits. This represents an increase from the 2024 requirement of $1,730 per credit.
| Year | Per Credit | Maximum (4 Credits) | Annual Increase |
|---|---|---|---|
| 2024 | $1,730 | $6,920 | – |
| 2025 | $1,810 | $7,240 | $80 |
Full Retirement Age (FRA)
Full retirement age continues to increase incrementally. For people born in 1958, FRA is 66 years and 8 months; for those born in 1959, it’s 66 years and 10 months. Anyone born in 1960 or later has an FRA of 67.
Maximum Benefit Amounts for 2025
The maximum Social Security benefit for someone retiring at full retirement age increased from $3,822 in 2024 to $4,018 in 2025. However, claiming benefits early at age 62 reduces the maximum to $2,831, while delaying retirement until age 70 can increase the maximum to $5,108.
Earnings Limits and Taxation
The maximum earnings subject to Social Security tax increased to $176,100 in 2025, up from $168,600 in 2024. For working beneficiaries under full retirement age:
- Annual earnings limit: $23,400 (benefits reduced $1 for every $2 earned above this amount)
- For those reaching FRA in 2025: $62,160 earnings limit
What to Do If Your Payment Is Late
Electronic Payment Issues
If you don’t receive your electronic payment on the scheduled date, first contact your bank or financial institution, as they may be experiencing delays in posting your payment.
Reporting Missing Payments
Anyone who hasn’t received their payment should allow three working days before contacting Social Security. For continued issues, call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778) or visit your local Social Security office.
Upcoming Changes: Electronic Payment Mandate
Due to an executive order signed by President Donald Trump in March 2025, “Modernizing Payments To and From America’s Bank Account,” all federal payments—including Social Security, SSI, SSDI, vendor payments, and tax refunds—must be made electronically starting after September 30, 2025.
Current Paper Check Recipients
Nearly 500,000 beneficiaries still receive paper checks, but this will end by October 2025. Recipients should establish direct deposit arrangements through their my Social Security account before the September deadline.
Managing Your Benefits Online
The my Social Security account portal provides comprehensive benefit management tools, including:
- Direct deposit information updates
- Social Security 1099 form access
- Benefit estimation tools
- COLA notice viewing in the Message Center
Frequently Asked Questions
Q: When will the last June 2025 Social Security payment arrive?
A: The final June 2025 Social Security payment will be distributed on Wednesday, June 25, for beneficiaries with birthdays between the 21st and 31st of any month.
Q: Why didn’t I receive my payment on June 19?
A: June 19 was Juneteenth, a federal holiday, so payments scheduled for that date were moved to June 18.
Q: How much did Social Security benefits increase in 2025?
A: Social Security benefits increased by 2.5% in 2025, resulting in an average increase of $49 monthly for retired workers.
Read More $2,000 Social Security Checks Coming on June 25—Find Out If You Qualify for This Week’s Payment
