In June 2025, the Social Security Administration (SSA) will issue three rounds of payments, as is typical for most months. However, for many recipients, understanding which group they belong to and exactly when their payment will arrive can be confusing.
This article provides a detailed look at the schedule for the third Social Security payment in June 2025, highlighting who is included, how payment dates are determined, and what recipients can expect.
Whether you receive retirement benefits, disability benefits (SSDI), or Supplemental Security Income (SSI), this guide will clarify where you fall in the monthly payment cycle.
How Social Security Payment Dates Are Determined
The SSA generally sends out benefits based on your date of birth and the type of benefit you receive. Payments are issued according to the following pattern:
- SSI beneficiaries: Usually paid on the 1st of each month.
- Recipients who began benefits before May 1997: Paid on the 3rd of the month.
- All other recipients: Paid on a Wednesday, based on their birthdate:
- Birth date 1st–10th: Second Wednesday
- Birth date 11th–20th: Third Wednesday
- Birth date 21st–31st: Fourth Wednesday
Because June has five Wednesdays, the third round of payments falls on the third Wednesday, which is June 18, 2025.
When Is the Third Payment in June 2025?
The third Social Security payment in June 2025 is scheduled for:
Wednesday, June 18, 2025
This payment is part of the standard monthly distribution and is not an extra or bonus payment. It simply reflects the third wave of scheduled distributions.
Who Will Receive the Third Payment?
The June 18 payment applies to people who meet two criteria:
- You started receiving Social Security benefits (retirement or SSDI) after May 1997
- Your birthday falls between the 11th and 20th of any month
So, if your birthday is July 15, and you applied for benefits in 2002, your June 2025 Social Security payment will arrive on Wednesday, June 18.
Types of Beneficiaries Included in This Payment
Several categories of beneficiaries may receive their payments on this date:
Retired Workers
If you retired after May 1997 and your birthdate is between the 11th and 20th, you will receive your monthly retirement benefit on June 18.
Social Security Disability Insurance (SSDI) Recipients
SSDI recipients who meet the same criteria will also receive their benefit on June 18. SSDI follows the same birthdate-based schedule as retirement benefits.
Spousal and Survivor Benefits
Spouses or survivors of Social Security beneficiaries who are paid based on the primary worker’s record will receive their payment on the same day, assuming the date-of-birth and benefit-start-date criteria are met.
How Much Will the Payment Be?
The amount you receive depends on:
- Your work history and earnings
- Whether you’re receiving SSDI, retirement, spousal, or survivor benefits
- The Cost-of-Living Adjustment (COLA) for 2025
In January 2025, a COLA increase was applied, which boosted average benefits. For reference:
- The average retirement benefit in 2025 is estimated at around $1,927 per month.
- The average SSDI payment is about $1,537 per month.
- Spousal and survivor benefits vary widely based on the primary beneficiary’s work history.
Your June 18 payment reflects the monthly total owed, minus any deductions (e.g., Medicare premiums).
How Payments Are Delivered
Payments are delivered via:
- Direct deposit to your bank account (fastest and most reliable)
- Direct Express® Debit Mastercard®
- Paper check (least common and slower)
Most recipients use direct deposit, which ensures funds are available on the payment date. Paper checks may take up to 3–5 business days to arrive.
What If You Don’t Receive Your Payment?
If your payment is delayed or missing:
- Wait three mailing days past the expected date.
- Contact the Social Security Administration at 1-800-772-1213.
- You can also visit your local SSA office.
For those receiving benefits via Direct Express, you can contact the Direct Express customer service number on the back of your card.
Future June 2025 Payment Dates
To provide context, here’s a quick look at all Social Security payment dates in June 2025:
- June 1 (Sunday): SSI recipients (will be paid Friday, May 31 instead)
- June 3 (Tuesday): Recipients who began benefits before May 1997
- June 11 (Wednesday): Birthdays 1st–10th
- June 18 (Wednesday): Birthdays 11th–20th (Third payment)
- June 25 (Wednesday): Birthdays 21st–31st
Conclusion
If your birthday falls between the 11th and 20th and you began receiving Social Security benefits after May 1997, your June 2025 payment will arrive on Wednesday, June 18. This is the third regular payment of the month, not a bonus or additional check. Understanding the payment schedule helps you budget effectively, avoid surprises, and manage your financial responsibilities with confidence.