Social Security retirement benefits are essential for many retirees, providing a steady income to help them maintain their quality of life. As of June 2025, eligible retirees who meet specific conditions can receive an average payment of $3,089.
Thanks to the Cost-of-Living Adjustment (COLA) increase, the amount has risen from the previous year. However, retirees can qualify for even higher payments depending on their work history and when they decide to begin receiving benefits.
In this article, we’ll break down the payment schedule, eligibility requirements, and how you can maximize your Social Security retirement benefits.
Eligibility for Social Security Retirement Benefits
To be eligible for Social Security retirement benefits, you must have worked and paid taxes for at least 10 years. However, benefits can also be available through your spouse’s work record.
Retirees who begin receiving benefits at age 62 will receive a smaller monthly payment than those who wait until Full Retirement Age (FRA), typically 66 or 67. The amount you receive is directly tied to how long you worked and how much you earned.
According to the latest figures, retirees who are eligible for Social Security benefits as of 2025 can receive an average of $3,089 per month.
This is based on a 2.5% COLA increase, which has resulted in higher benefits compared to the previous year.
Payment Schedule for June 2025
Social Security retirement benefits are paid monthly, but the specific date depends on your birth date. Here is the schedule for June 2025:
| Birth Date | Payment Date |
|---|---|
| 11th – 20th of the month | June 18, 2025 |
| 21st – 31st of the month | June 25, 2025 |
For example, if your birth date falls between the 11th and 20th of the month, your payment will be issued on June 18, 2025. If your birth date is after the 20th, from the 21st to the 31st, you can expect your payment on June 25, 2025.
Once you start receiving Social Security benefits, payments are made on the second, third, or fourth Wednesday of the month, depending on when your birth date falls.
It’s important to note that only those on benefits before May 1997 receive checks or direct deposits on the third day of the month.
Can Retirees Receive Higher Retirement Payments?
The $3,089 payment is an average amount for retirees, but it is far from the maximum benefit. For those who qualify,
it is possible to receive as much as $5,108 per month in 2025. However, meeting the conditions to receive this amount is challenging.
To collect the maximum benefit of $5,108, you must meet the following conditions:
- Apply for Social Security benefits at age 70.
- Have earned the contribution and benefit base for 35 years.
- Have had jobs that paid payroll taxes to the SSA.
- Have worked for 35 years or longer.
If you begin receiving benefits at age 62, your monthly payment will be lower, with a maximum of $2,831. Waiting until Full Retirement Age (FRA) will allow you to collect up to $4,018, depending on your work history and earnings.
Factors That Affect Your Social Security Payments
The age at which you file for Social Security significantly affects your monthly benefits. Filing early at age 62 can result in a 30% reduction in your monthly payment.
Therefore, it’s crucial to consider your financial needs and whether you have other sources of income before deciding when to start claiming Social Security.
The Social Security Administration (SSA) provides each individual with a statement that outlines the best time to file for benefits based on your personal work history and projected benefits.
It is highly recommended to check your SSA statement regularly to ensure you are making the best decision for your retirement.
Social Security retirement benefits can provide much-needed financial support in retirement, but the amount you receive depends on various factors, including your work history and the age at which you claim benefits.
With the COLA increase, retirees can expect higher payments in 2025. Be sure to understand the payment schedule and eligibility requirements to maximize your benefits and plan your retirement accordingly.
FAQs
What is the average Social Security payment for retirees in June 2025?
The average Social Security payment for retirees in June 2025 is $3,089, based on the 2.5% COLA increase.
When will my Social Security payment be issued if I was born between the 11th and 20th of the month?
If your birth date falls between the 11th and 20th of the month, your payment will be issued on June 18, 2025.
How can I maximize my Social Security benefits?
To maximize your Social Security benefits, consider delaying your claim until age 70 and ensure that you’ve worked for 35 years with earnings that paid payroll taxes.