As June 2025 kicks off, many 66-year-olds are getting ready for their first Social Security checks of the year. With a 2.5% COLA (Cost-of-Living Adjustment) boost, some retirees could see as much as $4,018 per month if they’ve hit certain milestones. Whether you’re already collecting or planning your retirement soon, knowing the rules, dates, and strategies can help you make the most of your benefits.
Overview
Let’s take a quick look at the key facts:
Topic | Details |
---|---|
Maximum Monthly Benefit | $4,018 (at Full Retirement Age in 2025) |
Payment Dates | June 8, 15, 22 based on birthdate |
COLA for 2025 | 2.5% increase |
Work History Requirement | 35 years in Social Security-covered jobs |
High Earnings Requirement | Earned taxable maximum ($167,700 in 2025) for 35 years |
Retirement Age for Max | 66 years, 10 months (full) or 70 (for higher payout) |
Tools and Resources | SSA website and My Social Security account |
Eligibility
The Social Security Administration calculates your monthly payout based on your work history, income, and the age you begin collecting. In 2025, if you’ve worked 35 years, consistently earned the maximum taxable wage, and claim benefits at full retirement age (FRA), you could qualify for the $4,018 monthly maximum.
Factors
Here’s what determines your Social Security benefit:
Work History
You need 35 years of earnings in jobs covered by Social Security. Fewer years? That lowers your average and benefit amount.
Income
To reach the highest benefit, you must have earned the taxable maximum annually for 35 years. In 2025, that max is $167,700.
Retirement Age
FRA in 2025 is 66 years and 10 months for those born in 1958. Wait until 70, and you’ll boost your benefit by 8% per year due to delayed retirement credits.
Example
If someone earned the maximum for 35 years and delayed benefits until age 70, their monthly check could hit $5,108. That’s a huge jump for a few extra years of waiting.
Dates
Payments are based on your birthdate:
Birthday Range | Payment Date (June 2025) |
---|---|
1st–10th | June 8 |
11th–20th | June 15 |
21st–31st | June 22 |
SSI payments usually arrive on the 1st of each month.
Late?
If your check doesn’t arrive on time, wait 3 business days before calling the SSA. Most payments go out via direct deposit, but mailed checks can be delayed.
Check
To view your benefit amount:
- Go to the SSA website
- Log in or create a My Social Security account
- View your estimated payment, earnings history, and retirement forecasts
It’s a handy way to spot errors and plan for your future.
Maximize
Want to boost your benefits? Here’s how:
1. Delay Benefits
Waiting until age 70 means your benefit grows by up to 32% over FRA. If you expect a long retirement, this move pays off.
2. Keep Working
Extra years of high income can bump out lower-earning years in your 35-year calculation, raising your benefit.
3. Use Spousal Strategies
Spouses can claim at different times to maximize total household income. One files early, one waits for the bump.
4. Watch the Earnings Limit
If you’re under FRA and working, earnings over $21,240 (in 2025) can temporarily reduce your benefits. But don’t stress—they’ll recalculate at FRA.
5. Audit Your Record
Mistakes in your earnings history can shrink your benefit. Check your SSA record yearly and report any errors fast.
Your Social Security check is more than just a benefit—it’s part of your retirement plan. Whether you’re nearing retirement or already collecting, knowing how the system works will help you get the most from it. Strategic timing, smart planning, and consistent earnings can turn your golden years into financially secure ones.
FAQs
When is the next Social Security check in June?
June 8, 15, or 22 depending on your birthdate.
What is the maximum Social Security benefit in 2025?
$4,018 per month at Full Retirement Age.
How do I check my payment amount?
Log into your My Social Security account online.
Can delaying benefits increase my payout?
Yes, up to 32% more by waiting until age 70.
What if my payment is late?
Wait 3 days, then contact the SSA.