Millions of Americans rely on Social Security as a vital source of income, especially retirees, survivors, and individuals with disabilities. For one specific group of beneficiaries, the upcoming Social Security check will be especially significant. The Social Security Administration (SSA) is set to send out a major payment in just two days, with one group poised to receive as much as $5,108 before the official start of summer.
As June draws to a close, this high-value payment marks an important milestone for those who have contributed the most during their working years. Here’s everything you need to know about the eligibility, payment schedule, and the reason behind this substantial benefit amount.
Who Will Receive $5,108 in Social Security?
Not all Social Security beneficiaries will see a $5,108 deposit in their accounts this month. This payment is specifically designated for high-income earners who retired at age 70 and are eligible for the maximum benefit in 2025.
The Social Security maximum benefit for someone retiring at full retirement age (FRA) in 2025 is approximately $3,822 per month. However, those who delay their benefits until age 70 earn delayed retirement credits, boosting their payments by up to 32%. This results in the $5,108 maximum monthly payout for these retirees.
To qualify for this amount, a person must have:
- Earned the maximum taxable income (subject to Social Security tax) for at least 35 years, and
- Waited until age 70 to begin collecting benefits.
For the average retiree, the monthly Social Security check is closer to $1,915, meaning this high-tier payout is reserved for a relatively small group.
When Will the Payment Be Sent?
The SSA issues retirement benefits based on a staggered schedule determined by recipients’ birthdays. For those born between the 21st and 31st of any month, the next payment will arrive on Wednesday, June 26, 2025—just two days from now.
This date applies to most retirees receiving Social Security retirement benefits, including those who qualify for the maximum amount. Payments are typically deposited directly into recipients’ bank accounts or loaded onto Direct Express debit cards.
Here’s a brief breakdown of the June 2025 Social Security schedule:
- June 12: Payment for birthdays on the 1st–10th
- June 19: Payment for birthdays on the 11th–20th
- June 26: Payment for birthdays on the 21st–31st
If you meet the criteria and fall into the last group, you’ll likely see the deposit by this coming Wednesday.
Why Some Payments Are So High
Social Security was designed to be a progressive system, replacing a higher percentage of income for lower earners and a lower percentage for high earners. However, those who earn the maximum taxable wage, delay retirement, and work a full 35 years are entitled to significantly higher payouts.
In 2025, the maximum taxable earnings subject to Social Security taxes are $168,600. Workers who consistently earned at or above this threshold throughout their careers and retired at 70 qualify for the top benefit level.
The Cost-of-Living Adjustment (COLA) also impacts benefit amounts annually. For 2025, COLA is expected to be around 3.2%, boosting overall benefits further.
What If You’re Not Receiving the Maximum?
Even if you’re not receiving the full $5,108, June is still an important month for beneficiaries. With inflation still affecting daily living expenses—groceries, housing, healthcare—every dollar counts. The average check of around $1,900 may not stretch far enough for many Americans, especially those on fixed incomes.
Some tips for making the most of your benefits:
- Consider part-time work if you are under the earnings limit.
- Review your Medicare plan to ensure you’re not overpaying.
- Take advantage of senior discounts and local assistance programs.
- Create a monthly budget to manage rising costs and unexpected expenses.
Future Changes on the Horizon
Social Security is under increasing scrutiny as the program’s trust funds face long-term solvency concerns. While benefits are secure for the foreseeable future, Congress continues to explore reforms, including:
- Raising the retirement age
- Increasing payroll taxes
- Adjusting benefit formulas for high earners
For now, beneficiaries can rest assured that June’s payments are proceeding on schedule—but long-term planning is key for younger generations.
Final Thoughts: Don’t Miss This Payment
If you’re among the retirees born between the 21st and 31st of the month, and you’ve delayed your benefits until age 70 while earning the maximum wage for decades, this upcoming $5,108 Social Security payment will be your reward.
For others, June still represents a critical opportunity to monitor your benefits, track upcoming COLA changes, and make the most of the resources available.
With just two days to go, make sure your bank information is up to date, and keep an eye on your account this Wednesday, June 26. Whether you’re receiving $5,108 or a more modest amount, these payments remain a cornerstone of retirement stability for millions of Americans.