No June Payment? The Shocking Truth About Your Social Security Check This Month

June is here, and for millions of Americans who rely on Social Security benefits—whether it’s retirement, disability, or SSI—it’s the usual question: When will the money show up?

Turns out, not everyone is getting paid at the same time. Some folks already have their deposit, while others are still waiting. And a few are noticing something unsettling: smaller checks, or none at all.

Here’s everything you need to know about what’s happening with Social Security payments this month—who’s already been paid, who’s still waiting, and why some payments are changing.

Who Already Got Paid?

If you started receiving Social Security before May 1997, or if you’re someone who gets both Social Security and Supplemental Security Income (SSI), your payment likely arrived on Monday, June 3rd. That’s the first major group to get paid this month.

As for SSI-only recipients, your June check actually came early—on May 30th. The reason? June 1st, your usual payday, landed on a Sunday this year. So the payment was pushed back to the last weekday of May. You still got your money—just earlier than usual.

Who Has to Wait?

If you’re receiving Social Security retirement or disability (SSDI) benefits, and you don’t fall into the early group mentioned above, your payment date depends on your birthdate.

Here’s the breakdown:

• If your birthday falls between the 1st and 10th, your check arrives on Wednesday, June 11th

• If your birthday is between the 11th and 20th, expect your deposit on Wednesday, June 18th

• If you were born between the 21st and 31st, your money will show up on Wednesday, June 25th

So depending on when you were born, your payment could be just around the corner—or a few weeks out.

Why Some Checks Are Smaller This Month

There’s a tough reality for some people this June: about 450,000 older Americans are seeing reduced Social Security checks. This is mostly hitting folks aged 62 and up who are in default on federal student loans.

Yes, even Social Security benefits can be garnished—and that’s what’s happening. The government is taking up to 15% of some people’s monthly benefits to cover unpaid loans. If your deposit seems lower than usual this month, this could be the reason.

A Bit of Good News: Fairness Act Payments Are Rolling Out

There’s also some relief on the way for others. If you were affected by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO)—rules that reduced benefits for many public workers—you might finally be getting some long-overdue money.

Thanks to the Social Security Fairness Act, the SSA is now correcting those reductions and sending out retroactive payments. As of now, about 91 percent of those cases have been processed. So if you’re among those impacted, it’s worth checking your SSA account or keeping an eye on your mail or bank account.

• SSI recipients got paid early on May 30th due to the weekend timing of June 1st.

• If you receive both SSI and Social Security or you filed before May 1997, your check came on June 3rd.

• Everyone else will be paid based on their birthdate—either June 11th, 18th, or 25th.

• Some checks are smaller due to federal student loan garnishments.

• Retroactive payments tied to the Fairness Act are being processed for millions.

If your payment hasn’t arrived when you expected it—or if it’s smaller than usual—don’t panic right away. Double-check the payment schedule, review your MySSA account, and if needed, get in touch with Social Security to clarify what’s going on.

Let me know if you’d like this rewritten for a specific group—like just for SSI or SSDI—or summarized for quick reading.