As June 2025 approaches, the Social Security Administration (SSA) is set to distribute monthly benefits to millions of Americans. Understanding the payment schedule is crucial for beneficiaries to manage their finances effectively.
June 2025 Payment Schedule
The SSA issues payments based on beneficiaries’ birth dates:
- Second Wednesday (June 11): Birth dates from 1st to 10th
- Third Wednesday (June 18): Birth dates from 11th to 20th
- Fourth Wednesday (June 25): Birth dates from 21st to 31st
For those who began receiving benefits before May 1997 or receive both Social Security and Supplemental Security Income (SSI), payments are made on fixed dates:
- SSI: June 1
- Social Security: June 3New York Post, Social Security
However, since June 1, 2025, falls on a Sunday, SSI payments will be advanced to Friday, May 30.
Cost-of-Living Adjustment (COLA) for 2025
Beneficiaries have seen a 2.5% increase in their monthly payments due to the 2025 COLA. This adjustment raises the average monthly Social Security benefit to approximately $1,976.
Electronic Payments and Delays
The SSA encourages beneficiaries to receive payments electronically, with about 99% already doing so. If a payment is delayed, beneficiaries should:
- Check with their financial institution.
- If the payment is more than three days late, contact the SSA directly.
Impact of Student Loan Defaults
Starting in June 2025, approximately 500,000 Americans may experience delays or reductions in their Social Security benefits due to unpaid student loan debts. The federal government is intensifying efforts to recover outstanding debts, which could significantly affect those relying on these benefits for essential expenses.
Full Retirement Age Adjustments
As of November 2025, individuals born in 1959 will reach their full retirement age (FRA) of 66 years and 10 months. Delaying retirement until FRA can result in higher monthly benefits, with those waiting until age 70 receiving up to 28% more.
Planning Ahead
Beneficiaries are advised to:
- Monitor the SSA’s official payment schedule.
- Set up or access their “my Social Security” account for personalized information:
- Stay informed about potential changes affecting their benefits.
Understanding the payment schedule and staying informed about policy changes ensures beneficiaries can manage their finances effectively and anticipate any adjustments to their benefits.