If you’re retired or nearing retirement, the $3,089 Social Security payment for couples in June 2025 is more than just a number—it’s a key piece of your monthly budget. With inflation continuing to impact everyday costs, understanding how this payment works, who qualifies, and when it arrives is essential.
This guide walks you through the latest updates from the Social Security Administration (SSA), including eligibility details, payment dates, and tools to help you manage your benefits with confidence.
Overview
The average Social Security benefit for retired couples in June 2025 is $3,089. This increase reflects a 2.5% Cost-of-Living Adjustment (COLA), which is applied annually to help offset inflation.
| Topic | Details |
|---|---|
| Monthly Payment (Couples) | $3,089 |
| COLA Increase for 2025 | 2.5% |
| Individual Average Payment | $1,907 |
| Eligibility Requirements | 40 work credits or spousal eligibility |
| Payment Dates (June 2025) | June 9, 16, or 23 (based on birth date) |
| Retroactive Adjustments | May apply under Social Security Fairness Act |
| Official Source | ssa.gov |
$3,089 Social Security Payment
The $3,089 figure is the average monthly benefit received by qualifying couples in June 2025. Each spouse must either qualify on their own or through spousal benefits to reach this combined amount.
This increase is due to the 2.5% COLA applied at the start of the year, meant to help Social Security payments keep pace with rising prices on essentials like food, housing, and healthcare.
COLA is determined using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) and is reviewed every fall.
Who Qualifies for This Payment?
You generally need 40 work credits to qualify for Social Security benefits—roughly 10 years of work. In 2025, one credit is earned for every $1,730 of income, with a maximum of four credits per year.
Your monthly benefit is calculated based on your 35 highest-earning years. If you worked fewer years, zeros may be factored in, lowering your average.
Spousal and Survivor Benefits
If one spouse didn’t work or earned very little, they may still qualify for spousal benefits—up to 50% of their partner’s benefit amount.
Surviving spouses can also receive a benefit based on the deceased spouse’s record, often adjusted depending on age and circumstances.
This system ensures both members of a couple can receive support, even if only one worked full-time.
June 2025 Payment Schedule
The SSA uses your birth date to determine your payment date each month:
| Birth Date Range | Payment Date |
|---|---|
| 1st – 10th | Wednesday, June 9 |
| 11th – 20th | Wednesday, June 16 |
| 21st – 31st | Wednesday, June 23 |
If you began receiving benefits before May 1997, your payment comes on the 3rd of the month. SSI payments typically arrive on the 1st.
Tip: Use Direct Deposit
Signing up for direct deposit ensures your payment arrives safely and on time. It also helps avoid delays caused by mail issues or bank holidays.
How to Check
The SSA’s online portal makes it easy to manage your benefits:
- Visit ssa.gov
- Click “my Social Security”
- Log in or create an account
- Select “Benefits & Payments” to see your payment date and amount
From your account, you can also:
- Change or update your bank info
- Download benefit statements
- Check your work record
- Review historical payments
Make a habit of checking your account monthly to confirm everything is accurate and up to date.
Social Security Fairness Act
The Social Security Fairness Act took effect in 2025 and repealed two controversial rules:
- Windfall Elimination Provision (WEP)
- Government Pension Offset (GPO)
Previously, these rules reduced Social Security benefits for individuals who also had non-covered pensions—often teachers, police officers, and other public employees.
Under the new law, affected retirees will now receive their full benefits, and many will get retroactive payments. This is a major win for public service workers, restoring fairness to the system.
If you were impacted by WEP or GPO, your June 2025 payment may be higher and could include a backdated adjustment.
Tips to Maximise Your Benefits
- Delay Claiming: Waiting until full retirement age (or later) increases your monthly payment
- Review Your Record: Ensure all earnings have been correctly reported
- Use Benefit Calculators: Available at ssa.gov to project your future payments
- Consult a Financial Advisor: Get personalized retirement advice based on your situation
FAQs
How much is the average couple’s Social Security in 2025?
$3,089 per month, including the 2.5% COLA increase.
When will I get my Social Security in June 2025?
Payments arrive June 9, 16, or 23, based on your birth date.
What if I qualify through my spouse’s work record?
You can receive up to 50% of your spouse’s benefit as a spousal payment.
How do I check my Social Security payment?
Log into your my Social Security account at ssa.gov to view status.
Will I get more if I was affected by WEP or GPO?
Yes, the 2025 Fairness Act removes those reductions and may increase your benefit.
