June Social Security Final Payment Arrives; Top Benefit Surpasses $5,100

The Social Security Administration (SSA) has nearly completed the June 2025 payment cycle, with only one payment left. Following the third deposit made yesterday, the last deposit is scheduled for June 25, which will cover beneficiaries born between the 21st and 31st of the month.

This final payment will wrap up the June cycle, marking the close of a month influenced by significant cost-of-living adjustments (COLA) for 2025.

Impact of the 2025 COLA Increase

A major event in this cycle has been the 2.5% COLA increase for 2025. This adjustment raised Social Security benefits to unprecedented levels, with maximum monthly payments exceeding $5,100 for late retirees this year.

This boost has impacted beneficiaries in various categories, with the new adjustments reflecting the historic increase.

Maximum Social Security Benefit for 2025

With the 2.5% COLA increase, Social Security amounts have been updated for 2025. The new maximum limits, which apply from January through December of this year, are as follows:

Retirement at age 62 (early retirement): Up to $2,831 per month
Retirement at age 67 (full retirement age for those born in 1960 or later): Up to $4,018 per month
Withdrawal at age 70 (deferred retirement with maximum benefit): Up to $5,108 per month

These amounts reflect the historic COLA adjustment and provide important information for individuals planning their retirement.

How to Reach the Maximum Social Security Benefit

To secure the maximum Social Security benefit, three key conditions must be met:

Work for at least 35 years with annual income reaching the maximum taxable earnings limit ($176,100 for 2025).
Ensure there are no years of low or no income during the 35-year period.
Delay claiming benefits until age 70, which can increase the monthly payment by about 8% per year after reaching full retirement age.

June 2025 Payment Schedule and Final Disbursement

Most of the June 2025 payments have already been issued:

July 3: SSI recipients and retirees who claimed their benefits before May 1997.
June 11: Beneficiaries born between the 1st and 10th of the month.
June 18: Beneficiaries born between the 11th and 20th of the month.

The final payment for those born between the 21st and 31st will be made on June 25. After this final deposit, the July payment cycle will commence:

July 3: SSI recipients and pre-1997 retirees.
July 9: Beneficiaries born between 1st and 10th.
July 16: Beneficiaries born between 11th and 20th.
July 23: Beneficiaries born between 21st and 31st.

What to Do If Your Payment Is Delayed

If your Social Security payment does not arrive by the scheduled date, it’s important to wait at least three business days before taking any further action, as delays due to banking or postal services are common. If your payment still hasn’t arrived, follow these steps:

Contact the SSA at 1-800-772-1213 (Monday to Friday, 8:00 a.m. to 7:00 p.m.).
You can also check your payment status online by visiting ssa.gov/myaccount.

The June 2025 payment cycle is nearing completion, with only one final deposit scheduled for June 25. The 2.5% COLA increase has made a significant impact on Social Security benefits, raising them to historic levels.

Beneficiaries who meet the necessary conditions can expect the maximum benefit this year, especially those who delay their claims until age 70. It’s important to keep track of payment schedules and know how to address delays.

FAQs

What is the 2025 COLA increase for Social Security benefits?

The 2025 COLA increase is 2.5%, which has raised all Social Security benefits, with maximum monthly payments now exceeding $5,100.

How do I qualify for the maximum Social Security benefit?

To qualify for the maximum Social Security benefit, you need to work for 35 years, ensure high annual earnings, and delay claiming benefits until age 70.

What should I do if my Social Security payment is delayed?

If your payment is delayed, wait at least three business days before contacting the SSA at 1-800-772-1213 or check your status online at ssa.gov/myaccount.