The 1st SSA payment of 2025 drops in June, and for millions of Americans, that means it’s time to check the calendar and your bank account. Whether you’re retired, on disability, or getting Supplemental Security Income (SSI), your June payment could show up earlier or later depending on a few important details.
For folks who rely on these benefits to cover rent, groceries, and medicine, knowing the exact date is more than a convenience—it’s peace of mind. So, let’s walk through who gets paid, when they’ll see the money, how much to expect, and what to do if things go sideways. We’ll keep it plain, helpful, and packed with verified info you can count on.
What’s the Difference Between SSI and Social Security?
It’s easy to mix them up! Social Security benefits (like retirement, disability, or survivor benefits) are based on your work history and the contributions you’ve made over the years. Supplemental Security Income (SSI), on the other hand, is a needs-based program that helps aged, blind, and disabled people who have very limited income and resources, regardless of their work history.
The Shift in Payment Schedules
It used to be simpler—and more chaotic. Before May 1997, all Social Security payments were sent out on the 3rd of each month. This created a massive workload at the beginning of every month. To manage the process more efficiently, the Social Security Administration introduced a staggered payment schedule based on beneficiaries’ birth dates. That’s why if you started receiving benefits after that point, your payment comes on the second, third, or fourth Wednesday of the month, ensuring a smoother flow for the nearly 70 million payments sent out monthly.
SSA Payment of 2025 Drops in June
| Topic | Details |
|---|---|
| Payment Dates | Group 1: June 3, Group 2: June 11, Group 3: June 18, Group 4: June 25, SSI: May 30 |
| Average Benefit (Retirement) | ~$2,002/month in 2025 |
| COLA 2025 | +2.5% cost-of-living adjustment |
| Max SSA Benefit (2025) | $5,108/month (for those retiring at 70) |
| SSI Max Benefit (2025) | $967 individual, $1,450 couple |
| Overpayment Recovery | Starting July 2025, SSA may withhold up to 50% of your monthly check |
| Student Loan Offsets | Garnishments paused June 3; may resume later in 2025 |
| New SSA Commissioner | Frank Bisignano; announced modernization plans for claims and appeals processing |
| Track Payments | Use your my Social Security account |
| Official SSA Schedule | SSA 2025 Payment Calendar PDF |
The 1st SSA payment of 2025 is landing in June, with dates set by your birthday or benefit status. Add in a 2.5% COLA, early SSI deposits, and the potential for garnishments or overpayment recoveries, and you’ve got a lot to keep track of. Use tools like your mySSA account, sign up for alerts, and take action early if something looks off.
Who Gets Paid and When?
SSA Payment Groups
If you get SSA benefits, your payday depends on your birthday and when you started receiving benefits:
- Group 1: Started receiving benefits before May 1997 or receive both SSA and SSI → June 3
- Group 2: Birthday falls on 1st–10th → June 11
- Group 3: Birthday falls on 11th–20th → June 18
- Group 4: Birthday falls on 21st–31st → June 25
SSI Payment Note
SSI checks are normally sent on the 1st of each month. But when the 1st falls on a weekend, it comes early. So in June 2025, that means SSI arrived on May 30, since June 1 is a Sunday.
How Much Will You Get?
With the 2025 2.5% COLA in place since January, most recipients saw a modest bump in monthly benefits.
- Average retirement benefit: ~$2,002/month
- Max SSA payout: $5,108/month (if you delayed retirement to age 70)
- Average SSI benefit: $673/month
- Max SSI payment: $967 (individual), $1,450 (couples)
What’s COLA and Why It Matters
COLA stands for Cost-of-Living Adjustment. It’s a yearly increase in Social Security benefits to keep up with inflation. In 2025, the 2.5% bump was based on rising costs in housing, groceries, and energy during the previous year.
Real Talk – Offsets and Deductions
Student Loan Garnishment
Roughly 450,000 seniors had their checks docked in 2024 because of defaulted student loans. As of June 3, 2025, that practice is paused, but could restart later this year. It pays to keep an eye on any loan correspondence.
Overpayment Recovery
If SSA says they overpaid you (even years ago), they can start taking back money. Starting late July 2025, they can withhold up to 50% of your monthly benefit until the debt is settled. If this hits you out of nowhere, don’t panic—you can file an appeal or hardship waiver.
Step-by-Step Guide to Managing Your June SSA Payment
Step 1 – Know Your Group
Figure out your group based on when you started receiving benefits and your birthday.
Step 2 – Mark the Date
Add your payment date to your calendar. Remember:
- SSA: June 3, 11, 18, or 25
- SSI: May 30
Step 3 – Set Up Direct Deposit
If you haven’t already, sign up via mySSA. You’ll get your money faster.
Step 4 – Watch for Offsets
Look for official notices if your check is lower than expected. SSA won’t just take money without telling you.
Step 5 – Appeal if Needed
Hit with an overpayment or garnishment? File SSA Form 632 for a waiver or appeal online.
Who Gets Paid When in June 2025?
The date your payment arrives depends on the type of benefit you receive and your birthday. Find your group in the table below to see your payment date.
| If You Receive… | Your June 2025 Payment Date Is… | Why This Date? |
| Supplemental Security Income (SSI) | Friday, May 30 | June 1st falls on a Sunday, so payments are sent the prior business day. |
| Social Security (started before May 1997) | Tuesday, June 3 | This group is on an older payment schedule, paid on the 3rd of the month. |
| Social Security (birthday from 1st-10th) | Wednesday, June 11 | Payments are sent on the second Wednesday of the month. |
| Social Security (birthday from 11th-20th) | Wednesday, June 18 | Payments are sent on the third Wednesday of the month. |
| Social Security (birthday from 21st-31st) | Wednesday, June 25 | Payments are sent on the fourth Wednesday of the month. |
Top 3 Mistakes to Avoid with Your SSA Payments
Don’t let a simple error delay your payment! Here are common mistakes to steer clear of:
- Forgetting to Update Your Information: Did you move or change your bank account? The SSA needs to know! Failing to update your address or direct deposit details is a top reason for payment delays.
- Ignoring a ‘No Payment in June’ for SSI: If you get SSI, remember you were paid for June on May 30th. Don’t panic and assume your benefit was cut; it’s just a timing adjustment.
- Contacting the SSA Too Soon: If your payment is late, wait three business days before calling. Banks can have processing delays, and your payment might just be a little slow to post to your account.
Real-Life Example
Meet Linda, a 72-year-old widow from Montana. She received an unexpected notice in May that SSA overpaid her in 2019 and plans to deduct $900 a month until it’s settled. With her fixed income, that’s a gut punch. But she filed a Request for Waiver citing hardship, and her deduction was reduced to $100/month pending appeal. Moral of the story? Don’t ignore those letters—speak up.
FAQs
Q1: Why did I get my SSI in May?
Because June 1 falls on a Sunday, the SSA paid it early on May 30.
Q2: My check is smaller this month. Why?
Could be due to student loan offsets, overpayments, or state withholdings. Check your mySSA account or call 1-800-772-1213.
Q3: Can I stop garnishments?
Yes, if you qualify. File a waiver and prove financial hardship.
Q4: Can I change how I get paid?
Absolutely. Log into mySSA and switch to direct deposit.
Q5: When will the next COLA update happen?
COLA updates are announced in October and take effect in January the following year.
Q6: Is my benefit taxed?
It depends. If you have other income like a pension or wages, a portion of your SSA check may be taxable. Check with a tax pro.
