$4,018 Social Security Checks Drop This Week — See If You’re One of the Lucky 66-Year-Olds

If you’re 66 and receiving Social Security, you might be in for one of the largest checks of the year. In fact, some retirees are about to receive as much as $4,018 this June. The best part? Payments are just days away for many.

Let’s break down what’s going on, who’s getting the full amount, and exactly when you can expect your money.

Why the Amount Is So High

The $4,018 figure is the maximum monthly Social Security benefit for retirees who hit their full retirement age in 2025. That’s around 66 years and 10 months, depending on when you were born.

To get this full amount, though, a few things have to line up:

• You must have worked at least 35 years

• You earned the maximum taxable income in most of those years

• You started collecting benefits at your full retirement age — not earlier, not delayed, just right on time

This amount also includes a 2.5% cost-of-living adjustment (COLA) that kicked in at the start of 2025, boosting benefits for everyone to help keep up with inflation.

If you meet all those criteria, this could be your biggest check of the year.

Who Actually Gets $4,018?

Let’s be real — most people don’t receive the max benefit. The average monthly Social Security payment for retired workers in 2025 is around $1,976.

But for those who:

• Had a high-paying job

• Worked consistently over a long career

• Claimed benefits at full retirement age

—you’re looking at that higher end of the payment scale.

And if you’re married and both spouses collect benefits, your household income could be even higher.

June 2025 Social Security Payment Schedule

When your check arrives depends on your birthday. Here’s how it works this month:

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

• If your birthday falls between the 11th and 20th, your payment comes on Wednesday, June 18

• If your birthday is from the 21st to the 31st, the date is Wednesday, June 25

And if you’ve been receiving Social Security since before May 1997, you should have already gotten paid on June 3.

Most people get their benefits via direct deposit, so they typically arrive in your account on the exact date. Paper checks might take a little longer to show up in the mail.

What If Your Payment Is Late?

Payments can be delayed occasionally — sometimes because of holidays, bank issues, or even identity verification hiccups.

Here’s what to do if yours doesn’t arrive when it should:

1. Wait at least three business days past your scheduled payment date

2. Check your My Social Security account to confirm your payment was sent

3. Still nothing? Call the Social Security Administration at 1-800-772-1213 or visit your local SSA office

It’s also worth double-checking that your bank info and mailing address are up to date with the SSA.

Not Sure How Much You’ll Get?

The easiest way to check your benefit amount is to log into your My Social Security account. There, you’ll see:

• Your expected monthly payment

• Your personal COLA adjustment

• Any deductions (like Medicare premiums)

If you’re not enrolled in that system, it’s a good time to sign up. It’s free and takes just a few minutes.

Why This Matters

With everyday expenses climbing — especially groceries, rent, and medical bills — knowing exactly how much you’re getting and when can make a big difference. Social Security might not cover everything, but it’s a critical piece of the puzzle for millions of retirees.

Whether you’re getting the max $4,018 or something closer to the average, having that payment show up on time each month brings peace of mind — and makes planning a little easier.

If you’re 66 and collecting Social Security, your June payment is almost here — and for some, it could be as high as $4,018.

Check your birthday to confirm your payment date. If you’re not getting the max benefit, that’s okay. Most people don’t. But understanding your benefits — and keeping tabs on your account — is the best way to make sure nothing falls through the cracks.

And if you’re not sure how all this applies to you, I’m happy to help break it down further. You earned your benefits — now let’s make sure you’re getting every dollar you deserve.