If you’re counting on your Social Security payment this week, you’re in luck—May checks are landing right on schedule. But before you get too comfortable, there’s a twist that could hit some recipients hard in June 2025. Whether you receive Social Security, SSI, or SSDI, changes in income thresholds, early payments, and even student loan garnishments are set to affect how much you’ll receive—or if you’ll get anything at all.
May 2025 Payments Are Right on Time—Here’s the Full Breakdown
The Social Security Administration (SSA) is wrapping up its May disbursements this week, based on the standard schedule:
-
May 14: For those born between the 1st and 10th of the month
-
May 21: For those born 11th–20th
-
May 28: For birthdays 21st–31st
-
May 3: For longtime beneficiaries who started receiving checks before May 1997
These payments include the 2025 COLA increase of 2.5%, boosting the average monthly benefit to $1,999.97, with some retirees at age 70 seeing up to $5,108.
So far, so good—but don’t let May’s consistency fool you.
Double SSI Payments in May Mean None in June—What You Should Know
If you’re on Supplemental Security Income (SSI), you might have noticed something strange: You’ll receive two SSI checks in May, but none at all in June.
Why? It all comes down to the calendar. Since June 1 falls on a Sunday, the SSA moved June’s SSI payment up to Friday, May 30. While that means early money for now, it could cause confusion or budgeting issues next month, especially for those living paycheck-to-paycheck.
Some Recipients Will See Cuts in June—Here’s Why
Unfortunately, not everyone can expect consistent or full payments in June. Several major changes are affecting Social Security recipients:
1. Income Threshold Reviews
The SSA periodically reviews recipients’ income to ensure they still qualify for full benefits. If you’ve started earning more or have additional resources (even through a spouse or child), your benefit amount could be reduced or suspended.
2. Student Loan Garnishments Are Back
The pause on student loan collections has ended, and now the federal government is resuming garnishments from Social Security checks for people with defaulted federal student loans. Up to 15% of your monthly benefit can be taken—though the law prevents your check from falling below $750 per month.
What You Can Do Right Now
To avoid any surprises or financial strain, here are some actionable steps you can take today:
-
Check your payment dates on the SSA website or through your MySocialSecurity account.
-
Monitor mail and emails from the SSA—they’ll notify you about changes in eligibility or garnishments.
-
Verify your income and report any changes that could impact your benefits.
-
If you’re facing garnishment, contact your loan servicer or consult a financial advisor for options like rehabilitation or payment plans.
-
Budget accordingly for June, especially if you’re receiving two payments in May.
Bottom Line
May’s Social Security payments are arriving right on schedule, and some SSI recipients will even see an extra check before the month ends. But don’t get too comfortable—June brings early payments for some, and tough reductions for others. From income threshold reviews to student loan garnishments, the landscape is shifting fast.
Stay informed, check your accounts, and take action if you’re at risk. Because when it comes to Social Security in 2025, being a step ahead can mean the difference between financial stability and an unexpected shortfall.
