Following the deposit of the third June payment yesterday, the Social Security Administration (SSA) is preparing for the monthly closing date. Only one deposit remains, scheduled for the fourth Wednesday, June 25, for beneficiaries born between the 21st and 31st of the month.
This cycle was hit hard by the 2025 cost-of-living adjustment (COLA) of 2.5%, which raised all benefits to historic levels, with the monthly maximum surpassing the $5,100 barrier for late retirees this year.
Maximum Social Security amounts you could expect
The amounts have been updated based on the confirmed 2.5% increase for 2025. This adjustment, applied to all benefits from January through December of this year, places the new values according to the following table:
- Retirements at age 62 (early retirement):
Until $2,831 per month - Retirements at age 67 (full retirement age for those born in 1960 or later):
Until $4,018 per month - Withdrawals at age 70 (deferred retirement with maximum benefit):
Until $5,108 per month
How do you reach the maximum Social Security benefit?
To receive the maximum possible amount of Social Security, three basic conditions must be met:
- Having worked 35 years or more with annual income reaching maximum taxable limit, which in 2025 is $176,100.
- Not having had years with low or no income in that 35-year period.
- Delay claiming benefits until age 70, which increases the monthly payment by approximately 8% for each year after full retirement age.
Last payment of the June Social Security cycle
Most June 2025 payments have already been made, on July 3 (for beneficiaries who claimed their payments before May 1997, those also receiving SSI payments, or those residing abroad); June 11 for beneficiaries with birthdates between the 1st and 10th of any month; and June 18 for those with birthdays between the 11th and 20th of any month.
Pending beneficiaries (born between the 21st and 31st) will receive their payment on June 25th. After this disbursement, the schedule will restart in July as follows:
- July 3: SSI recipients and pre-1997 retirees.
- July 9: Born 1-10.
- July 16: Born 11-20.
- July 23: Born 21-31.
If you don’t receive your Social Security payment by the scheduled date, the first thing you should do is wait at least three business days before taking action, as bank or postal delays may occur.
If it hasn’t arrived yet, you should contact the SSA by calling 1-800-772-1213, available Monday through Friday between 8:00 a.m. and 7:00 p.m. You can also check your account online at ssa.gov/myaccount.
