Millions of Americans receiving Social Security benefits are set to receive their June 2025 payments this week, and for some, the amount could go as high as $5,108. This significant figure represents the maximum monthly payout available under the Social Security program, but not everyone will qualify for this amount. Here’s what you need to know about who gets paid, how much, and when.
Payment Schedule Based on Birth Date
The Social Security Administration (SSA) follows a structured monthly payment schedule. The exact date you receive your money depends on your birth date and when you first started receiving benefits.
For June 2025, the payment dates are as follows:
- June 3: People who began receiving benefits before May 1997 and individuals who receive both Social Security and Supplemental Security Income (SSI).
- June 11: Recipients born between the 1st and 10th of any month.
- June 18: Recipients born between the 11th and 20th.
- June 25: Recipients born between the 21st and 31st.
Those who qualify will automatically receive their payments via direct deposit or a Social Security debit card.
Why $5,108? Understanding the Maximum Benefit
The much-talked-about $5,108 monthly benefit is not what most people receive. Instead, it represents the maximum benefit amount someone can earn in 2025 if they meet very specific criteria:
- The person must have worked for at least 35 years.
- They must have earned the maximum taxable income every year (in 2025, this amount is $168,600).
- They must have delayed their retirement and started collecting Social Security benefits at age 70.
Very few retirees qualify for this top-tier benefit. For comparison:
- Someone retiring at full retirement age (67) can receive up to $4,018 per month.
- Someone retiring early at age 62 may get up to $2,831 per month.
- The average Social Security benefit for all retirees is approximately $1,976 per month in 2025.
These figures are determined by the SSA based on a formula that calculates lifetime earnings, adjusted for inflation and indexed to average wage levels.
Early SSI Payment Issued in May
Some recipients of Supplemental Security Income (SSI) noticed an early payment last month. This occurred because June 1, 2025, falls on a Sunday. The SSA policy states that when the first of the month is a weekend or holiday, payments are issued on the preceding business day.
That’s why SSI recipients received their June benefit on May 30, 2025. It’s not an extra payment—it simply came a little earlier than usual. The next regular SSI payment will be made on July 1, 2025.
Who Gets What?
The amount you receive from Social Security depends on a combination of your work history, earnings, and the age at which you begin claiming benefits. You can estimate your expected benefits by using the official SSA calculator on their website.
If you’re curious about how much you’re eligible to receive or when your specific payment is due, you can check by creating an account at SSA.gov’s my Social Security portal. It provides tools to view your benefit estimates, payment history, and future statements.
Important Notes for Recipients
Recipients are encouraged to keep their personal information up to date and report any changes that may affect eligibility or payment amounts. For those expecting payments this week, it’s also recommended to monitor your bank account or Direct Express card for the exact deposit time, as it can vary slightly depending on your financial institution.
