Social Security Payments Just Hit $2,002—Are You Getting Enough in June 2025?

If you’re retired—or even thinking about retirement—it’s normal to wonder how much Social Security is actually paying right now. With bills going up and things getting more expensive, knowing what to expect each month can make a big difference.

So, let’s break it down in plain English.

So, What’s the Average Social Security Check This Month?

For June 2025, the typical Social Security check for a retired worker is about $2,002 a month.

If you’re getting benefits for something else—like disability or survivor support—the average is a little lower, somewhere around $1,950.

And if you were able to wait until age 70 to claim benefits? You could be seeing as much as $5,108 a month.

Here’s the gist:

• Retired workers: ~$2,000/month

• Survivors or spouses: ~$900 to $1,500

• Maximum possible check: ~$5,100/month if you waited until 70

Why It’s a Bit Higher Than Last Year

You might have noticed your check went up a bit this year—and no, it’s not a mistake. That’s thanks to a 2.5% cost-of-living adjustment (COLA) that kicked in at the start of 2025.

COLA is basically Social Security’s way of trying to keep up with inflation. It’s not a huge jump, but every little bit helps when things like rent, groceries, and healthcare just keep climbing.

Also, more people are holding off on claiming their benefits until later in life—which means they’re getting bigger monthly payments than those who claimed early.

When Are Payments Going Out?

Your payment date depends on when your birthday falls. It goes like this:

• Born between the 1st–10th? You’ll get paid on the second Wednesday of the month.

• Born between the 11th–20th? That’s the third Wednesday.

• Born after the 20th? You’re looking at the fourth Wednesday.

• Got benefits before May 1997? Your check comes on the third of the month, no matter what.

There have been a few reports of payment delays lately, mostly due to staffing shortages and higher application volumes. If your check doesn’t show up right away, don’t freak out—just double-check your info or contact Social Security.

Why Your Check Might Look Different

While most people get the full expected amount, a few things could mess with your payment:

• You owe money to the government—like student loans or taxes? They might take a chunk of your check.

• Still working? If you haven’t hit full retirement age yet, your earnings could temporarily lower your benefit.

• Account changes or incorrect info can also cause hiccups.

To avoid surprises, log into your mySocialSecurity account and check your payment details.

Not Just for Retirees

Social Security isn’t only for people who’ve stopped working. Here’s what others are getting:

• Disability (SSDI): around $1,537/month

• Survivors: about $1,505/month

• Spouses: often $900/month or so

So when you hear “average Social Security,” remember—it includes a wide mix of people and payments.

Looking Ahead

Even with the COLA boost, it’s no secret that Social Security alone doesn’t go as far as it used to. If you’re not retired yet, it’s smart to think about how and when you’ll claim your benefits. Waiting a few extra years can mean hundreds of extra dollars each month later on.

And if you’re already retired, keeping up with payment dates and benefit changes can help you stay ahead of any surprises.