In June 2025, millions of Social Security beneficiaries across the U.S. will receive record-high payments, thanks to cost-of-living adjustments (COLA) made earlier this year.
These increased payouts reflect one of the largest COLA boosts in recent years, aimed at helping retirees, disabled individuals, and survivors keep up with inflation and rising costs of daily living.
Let’s break down what this means, who qualifies for the payments, when the money will arrive, and how much beneficiaries can expect to receive this month.
Why Are Social Security Payments Higher in June 2025?
The reason behind this record payment is the 8.7% COLA increase that was announced in late 2024 and applied to Social Security checks starting January 2025. This adjustment was made by the Social Security Administration (SSA) to help offset the effects of inflation, especially for older Americans living on fixed incomes.
While this increase took effect in January, June’s round of payments is set to reach a record in terms of total volume, mainly because of the combination of the COLA, regular distribution schedules, and a larger number of beneficiaries now receiving Social Security due to the aging population.
Who Will Receive Payments in June?
There are several categories of people who receive Social Security benefits, including:
- Retired Workers
- Disabled Individuals (SSDI)
- Survivors of Deceased Workers
- Supplemental Security Income (SSI) Recipients
Each category has its payment date and eligibility conditions, but all of them will benefit from the adjusted payment amounts due to COLA.
Social Security Payment Schedule for June 2025
Social Security checks are issued based on a person’s birthdate, while SSI payments are generally sent at the start of the month. Here’s a simple breakdown:
- June 1, 2025 (Saturday): No payments made due to the weekend. SSI recipients will instead receive their payment on Friday, May 31.
- June 3, 2025 (Tuesday): Social Security checks for those who started receiving benefits before May 1997.
- June 12, 2025 (Wednesday): Payments for those born between the 1st and 10th of the month.
- June 19, 2025 (Wednesday): Payments for those born between the 11th and 20th.
- June 26, 2025 (Wednesday): Payments for those born between the 21st and 31st.
How Much Will You Get?
The average Social Security benefit increased significantly in 2025 due to the COLA adjustment:
- Average monthly check for retired workers: $1,907 (up from $1,848 in 2024)
- Maximum possible benefit: $4,873 (for those retiring at full retirement age with a high lifetime income)
- SSI federal payment standard: $943 for individuals, $1,415 for couples
Keep in mind that the exact amount varies depending on your work history, when you started collecting benefits, and any deductions (such as Medicare premiums).
Why This Record Payment Matters?
This record-setting payout couldn’t come at a better time. Many seniors have been hit hard by rising prices on everything from groceries to housing.
According to the Bureau of Labor Statistics, inflation remains a concern even in mid-2025, especially for older households who spend more on essentials like healthcare and food.
The June boost may provide temporary relief, but financial experts say it’s still essential for retirees to budget carefully. While Social Security was never meant to be the sole source of retirement income, more Americans than ever are depending on it as their main lifeline.
What If You Don’t See Your Payment?
If your payment doesn’t arrive on the expected date, here’s what you should do:
- Wait at least three mailing days.
- Check your bank account to ensure it wasn’t deposited digitally.
- Contact your local SSA office or call the national helpline:
1-800-772-1213 (TTY 1-800-325-0778)
(Lines are open 8 AM to 7 PM, Monday through Friday)
For direct deposit issues, also reach out to your bank.
How to Prepare for Future Payments?
Here are some smart steps to stay updated and prepared:
- Enable direct deposit to avoid mail delays.
- Set up alerts on your bank account for deposit notifications.
- Check the SSA calendar regularly to stay informed on future payment dates.
- Sign up for SSA updates via email or text alerts from your account dashboard.
Final Thoughts
With June’s Social Security payouts reaching a record high, beneficiaries need to stay informed and prepared. From understanding your payment date to knowing how much you’ll receive, being aware of these details can make a big difference, especially when you’re relying on fixed income.
Stay tuned for further announcements from the Social Security Administration throughout the year. For now, mark your calendar and get ready for that June deposit—it could be the biggest one yet.