Millions of Americans depend on Social Security and Supplemental Security Income (SSI) payments to cover essential expenses such as housing, food, medical costs, and more. For June 2025, knowing the exact payment dates can make a big difference in managing your budget and avoiding financial hiccups. This guide provides a detailed breakdown of the June 2025 Social Security payment schedule, COLA updates, eligibility details, application guidance, and tips for recipients, caregivers, and financial professionals.
Summary Table: Social Security June 2025
| Feature | Details |
|---|---|
| Topic | Social Security June 2025 Payment Dates |
| Payment Dates | June 3, 11, 18, 25 (Social Security); May 30 (SSI) |
| Payment Determined By | Benefit start date and birthdate |
| Early SSI Payment | Delivered May 30 due to June 1 falling on a weekend |
| Average Monthly Benefit (2025) | $1,907 (retirees); $943 (SSI) |
| COLA Increase (2025) | 2.6% |
| SSA Website | ssa.gov |
| Direct Deposit | Strongly recommended |
| Scam Awareness | Never share SSN/banking details via calls or emails |
What Is Social Security & SSI?
Social Security is a federally managed financial support system created in 1935. It provides monthly payments to qualifying retirees, people with disabilities, and survivors of deceased workers. SSI (Supplemental Security Income) helps aged, blind, and disabled people with limited income and resources.
June 2025 Social Security Payment Schedule
If you receive Social Security retirement, disability, or survivor benefits, your payment date is based on your birthdate and when you first started receiving benefits:
| If You… | You Will Be Paid On… |
| Started Benefits Before May 1997 | Tuesday, June 3, 2025 |
| Born 1st to 10th of any month | Wednesday, June 11, 2025 |
| Born 11th to 20th | Wednesday, June 18, 2025 |
| Born 21st to 31st | Wednesday, June 25, 2025 |
June SSI Payment: Paid Early
Since June 1, 2025 is a Sunday, SSI payments will be disbursed early—on Friday, May 30, 2025. There will be no SSI payment issued during the month of June.
Real-Life Example:
- Joe, who began collecting Social Security in 1995, will receive his check on June 3.
- His niece Maria, with a birthday on June 17 and who began benefits in 2024, will receive her payment on June 18.
- Joe, who also receives SSI, got that payment early on May 30.
COLA Update for 2025
The 2025 Cost-of-Living Adjustment (COLA) is 2.6%, increasing the average monthly retirement benefit to $1,907 (up from $1,848 in 2024). SSI payments for individuals have also increased to an average of $943 per month.
How to Prepare Financially
- Create a monthly budget covering all essential and discretionary expenses.
- Automate bills a day or two after your expected deposit date.
- Avoid high-interest loans—look into local resources or credit counseling.
- Use community support programs such as food pantries or utility relief services.
Digital Tools for SSA Account Holders
SSA has modernized its services with user-friendly online tools:
- my Social Security Account: Manage benefits, view statements, and download documents.
- Benefit Calculators: Estimate future benefits.
- Online Applications: Apply for retirement, disability, and Medicare.
If you’re not tech-savvy, call SSA at 1-800-772-1213 (TTY: 1-800-325-0778).
How to Apply for Social Security Benefits
Step 1: Identify Which Benefit You Need
- Retirement (age 62+)
- Disability (SSDI)
- SSI
- Survivor or Spousal Benefits
Step 2: Gather Documentation
- SSN and birth certificate
- W-2s or tax returns
- Medical records (for SSDI/SSI)
- Bank details for direct deposit
Step 3: Submit Your Application
- Online: ssa.gov
- By phone: 1-800-772-1213
- In person: Call ahead and bring necessary documents
Step 4: Await Approval
You’ll receive a letter detailing the decision, your benefit amount, and the start date. If denied, follow SSA’s appeal process.
Step 5: Create a my Social Security Account
This is crucial for managing your benefits online securely.
Common Issues & Quick Fixes
| Problem | Solution |
| Changed bank | Update info on my Social Security |
| Moved to a new home | Update address online or by phone |
| Deposit not received | Wait 3 business days, then call SSA |
| Lost paper check | Report it and request a replacement |
| Scam calls received | Hang up, report at oig.ssa.gov |
Scam Alerts
Scammers often target seniors and benefit recipients. Be cautious if someone:
- Asks for your SSN or banking info over the phone/email
- Demands payments via gift cards or cryptocurrency
- Threatens to suspend your benefits
Protect Yourself:
- Never share personal info unless you’re sure of the recipient
- Report scams via SSA’s Fraud Center
Tips for Seniors, Caregivers & Advisors
For Seniors:
- Automate recurring expenses
- Use visual reminders for payment dates
- Get help from family if money management feels stressful
For Caregivers:
- Maintain organized records
- Help set up online accounts
- Apply as a representative payee if needed
For Financial Advisors:
- Include Social Security in client reviews
- Analyze how benefits impact taxes and other income
- Educate clients about online security and scams
FAQs About Social Security June 2025
Q1: When is my June 2025 Social Security check coming?
A: Based on your birthdate and benefit start date—either June 3, 11, 18, or 25.
Q2: Will I get an SSI payment in June?
A: No. June’s SSI was paid early on May 30, 2025.
Q3: How much will I receive in June 2025?
A: Average benefits: $1,907 for retirees; $943 for SSI recipients.
Q4: How do I change my bank info for direct deposit?
A: Log into your my Social Security account or call SSA.
Q5: Where do I report scams or suspicious calls?
A: Report them at oig.ssa.gov
Official Resources
- SSA Website: https://www.ssa.gov
- Phone Support: 1-800-772-1213 (TTY: 1-800-325-0778)
- Office Locator: SSA Office Locator
Final Thoughts
Social Security payments are a financial cornerstone for millions of Americans. With careful planning, the right tools, and awareness of potential scams, you can manage your benefits confidently and securely. Whether you’re a senior, a caregiver, or a financial professional, staying informed is the best way to ensure peace of mind month after month.
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