June 11, 2025, falls on the second Wednesday of the month, which is an important date for millions of Americans who receive Social Security benefits. This day marks the distribution of monthly benefits to certain retirees, people with disabilities, and survivors.
With the 2.5% cost-of-living adjustment (COLA) in effect for 2025, beneficiaries will be eagerly awaiting the exact amounts they will receive.
Who Will Receive Payments on June 11?
The Social Security Administration (SSA) follows a set schedule to distribute benefits. Payments are made on three Wednesdays each month, depending on the beneficiary’s birth date. For June 11, those who will receive payments include:
- Beneficiaries who receive retirement, disability (SSDI), or survivor’s benefits.
- Those whose birthdays fall between the 1st and 10th of any month.
- This rule applies to individuals who applied for benefits after May 1997.
However, individuals who receive both Social Security and Supplemental Security Income (SSI), or those who started receiving benefits before May 1997, will not receive their payments on this date. Typically, these payments are made on the 3rd of the month.
Impact of the 2.5% COLA for 2025
The 2.5% COLA for 2025 will result in an increase in monthly Social Security payments. Here’s a look at how much beneficiaries can expect to receive in June:
- Retirement Benefits: The average retiree will receive $1,976 in June 2025, a $49 increase from the previous year’s average of $1,927.
- Retired Couples: A couple in which both spouses receive benefits can expect a joint payment of $3,089 per month.
- Disability (SSDI) Benefits: The average monthly payment for SSDI beneficiaries will be $1,580 in 2025.
These amounts are calculated based on the SSA’s distribution system and are assumed to represent beneficiaries whose birthdays fall between the 1st and 10th of the month.
What Happens After June 11?
Following the second Wednesday payment, other beneficiaries will receive their Social Security payments on the next two Wednesdays of the month:
- June 18 (Third Wednesday): Those whose birthdays fall between the 11th and 20th.
- June 25 (Fourth Wednesday): Beneficiaries with birthdays between the 21st and 31st.
Maximum Social Security Benefit: How to Reach the Top
While most beneficiaries receive amounts close to the average, there are high earners who qualify for significantly larger benefits. The maximum monthly Social Security benefit in 2025 is:
- $5,108: For those who retire at age 70, the maximum benefit is available.
- $4,018: For those who retire at their full retirement age (FRA), between 66 and 67 years old in 2025.
- $2,831: For those who choose to retire at the earliest age of 62.
To qualify for the highest benefit of $5,108, individuals must meet specific requirements:
- 35 years of maximum earnings: To qualify for the maximum benefit, you need to have earned the highest possible wages, subject to Social Security taxes, for 35 years. In 2025, the cap for the maximum taxable earnings is $176,100.
- Delay retirement until age 70: Every year you delay retirement after reaching your FRA, your monthly benefits increase by about 8%. So, waiting until age 70 can make a huge difference in your Social Security check.
Reaching the maximum benefit is rare, as it requires both consistent high earnings and delaying retirement until age 70. Only a small fraction of beneficiaries—less than 4%—are expected to reach the $5,108 maximum monthly benefit.