If you’re collecting Social Security, there’s some exciting news to kick off your summer. June 2025 is delivering some of the highest Social Security payments in U.S. history, with many beneficiaries now receiving close to—or even over—$2,000 per month. Thanks to the massive 8.7% Cost-of-Living Adjustment (COLA) that kicked in earlier this year, retirees, SSDI recipients, and SSI beneficiaries are all seeing significantly larger checks in their bank accounts.
This historic bump is especially welcome for seniors battling inflation at the grocery store, pharmacy, and gas pump. But knowing when your money arrives and how much you should expect can be confusing. Here’s the full breakdown of June’s payments and what you need to know.
Your June Payment Schedule: Exact Dates Based on Your Birthdate
Social Security payments don’t all come at once—they’re issued on a staggered schedule each month depending on your birth date and benefit type. Here’s how it works for June 2025:
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SSI Recipients: Your check was sent early—May 30, because June 1 fell on a weekend.
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Retired Workers, SSDI, and Survivor Benefits:
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June 11 – if your birthday is between the 1st and 10th.
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June 18 – if your birthday falls between the 11th and 20th.
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June 25 – if your birthday is between the 21st and 31st.
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If you started receiving Social Security before May 1997, your check arrived earlier—on June 3.
These dates are consistent month-to-month, but weekends and holidays can shift them slightly.
How Much Are You Getting? Average Checks in June 2025
The average Social Security retirement check in June 2025 is now $1,999.97, just shy of the $2,000 mark. Other benefit types also saw substantial increases:
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Disability (SSDI): Average check is around $1,581.88
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Survivor Benefits: Average payout is $1,565.52
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SSI (Supplemental Security Income): Average is $717.87, though maximum benefits can be higher depending on your situation
For high earners who delayed retirement until age 70, the maximum monthly benefit has soared to $5,108—a significant sum, though only available to a small percentage of retirees.
Why Payments Are So High This Year
This year’s historic payment levels are the result of the 8.7% COLA that was applied in January 2025. It was the largest COLA increase in over four decades, designed to help seniors and disabled Americans keep up with rising inflation. While inflation has cooled slightly since its peak in 2022–2023, prices for essentials like rent, healthcare, and groceries remain high—making this larger monthly check a crucial lifeline for millions.
Things You Should Know About Your June 2025 Check
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No “extra” COLA this month: The next possible increase won’t be announced until October 2025, and it will apply to payments starting in January 2026.
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Direct deposit is fastest: If you’re still waiting for a paper check, consider switching to direct deposit for faster and more reliable payments.
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Delays? Wait three business days after your scheduled date before contacting the Social Security Administration.
Also important: Around 450,000 seniors may see deductions from their checks due to federal student loan garnishments, which quietly resumed this year after being paused during the pandemic. If your check seems smaller than expected, this could be the reason.
Final Takeaway
June 2025 marks a milestone moment for Social Security recipients. With average benefits nearing $2,000, many retirees are seeing more in their bank accounts than ever before. But don’t just celebrate—double-check your payment date, monitor your deposit, and know your rights if something doesn’t look right. With inflation still affecting daily expenses, every dollar counts.
