Today, Wednesday, June 18th, is your payment date if your birthday falls between the 11th and the 20th of any month. Yep, that’s right. If your birthday is in that second part of the month (11th to 20th), today’s the day the Social Security Administration (SSA) is depositing your retirement benefit.
This is actually the second of the three payments scheduled for June. It’s part of the system they’ve used since May 1997 to spread things out. If you don’t see the deposit just yet, sit tight – sometimes banks take a few hours to process it, but it should show up today or by tomorrow at the latest.
Payments that already went out: June 3rd and June 11th
The first of the retirement payments of the month was June 3rd: This one went to a specific group: folks who started receiving their benefits before May 1997 (no matter their birthdate), and also people getting Supplemental Security Income (SSI). SSI payments usually land on the first business day of the month. Since June 1st was a Sunday, it went out early on Friday, May 30th.
After that, the SSA delivered money on June 11th: This was for retirees with birthdays between the 1st and the 10th of any month. That was the first of June’s regular retirement payments.
Next payment coming up: Wednesday, June 25th
If your birthday falls between the 21st and the 31st of any month, this one’s yours. It’s the last payment scheduled for June. As always, just keep an eye on your account that day or the next in case there are any minor delays with your bank.
The SSA suggests giving it up to 3 business days after your scheduled date before getting concerned. If it still hasn’t shown up after that, check with your bank first (in case there’s a simple hold-up on their end). If they don’t see it, then reach out to the SSA at 1-800-772-1213, or log into your account on ssa.gov/myaccount to check your payment status.
In 2025, maximum Social Security benefits vary a lot depending on when you retire: if you claim at 62, the cap is around $2,831 per month (with a 30% reduction for early filing), but if you wait until full retirement age (66 or 67), you could get up to $4,018.
The absolute highest payout ($5,108) goes to those who delay until 70 and have paid the maximum taxable earnings for at least 35 years.
That said, most retirees see much smaller numbers: the average benefit hovers around $2,002.39 per month. Age plays a role too: at 67, the typical payment is $2,101.74, while at age 70, it dips slightly to $2,081.42 (partly because some retirees claim earlier and miss out on delayed credits).
Folks in their late 70s or 80s often see higher averages (like $2,201.97), thanks to cost-of-living adjustments and fewer people still working.
