The Social Security Administration (SSA) has completed most of its June 2025 payment cycle, with only one final payment remaining for beneficiaries born between June 21 and June 31.
The payments for this cycle have been impacted by the 2.5% cost-of-living adjustment (COLA) increase, which has raised all Social Security benefits to new record levels.
This adjustment has resulted in higher monthly benefits for many retirees, especially those who claim benefits later in life. Let’s dive into the details of the payment schedule and the maximum Social Security benefits for 2025.
Remaining Payment for June
Most of the payments for June 2025 have already been made. The third June payment cycle was completed on June 19, and the final payment for the month will be made on June 25 for beneficiaries born between the 21st and 31st of the month.
After June 25, the next payment cycle will begin in July. For July, payments are scheduled as follows:
-For SSI recipients and retirees who filed before May 1997, payments will be made on July 3.
-Beneficiaries born between the 1st and 10th of any month will receive their payments on July 9.
-Those with birthdays between the 11th and 20th will receive their payments on July 16.
-Beneficiaries born between the 21st and 31st will get their payments on July 23.
If you do not receive your payment by the expected date, it is advisable to wait for at least three business days before taking any action. This is because delays can happen due to banking or postal issues.
If after this time you still haven’t received your payment, you can contact the SSA at 1-800-772-1213, or you can visit their website at ssa.gov/myaccount for more information.
Maximum Social Security Benefits for 2025
Thanks to the 2.5% COLA adjustment for 2025, Social Security payments have reached historic levels. This increase will affect all Social Security beneficiaries from January through December 2025. The new maximum benefit amounts are as follows:
For retirees who choose to take early retirement at age 62, they can now expect up to $2,831 per month. Retirees who wait until their full retirement age of 67 (for those born in 1960 or later) can receive up to $4,018 per month. If a person delays their retirement and chooses to claim at age 70, they can receive a maximum benefit of $5,108 per month.
How to Reach the Maximum Social Security Benefit
To qualify for the maximum possible Social Security benefit, there are several key requirements. First, you must have worked for at least 35 years with an annual income that reaches the maximum taxable limit. For 2025, this limit is set at $176,100.
Secondly, you should not have any years with low or no income during this 35-year period. Finally, to achieve the maximum benefit, you must delay claiming your Social Security benefits until the age of 70. Each year you delay after your full retirement age will increase your monthly payment by around 8%.