15% Cuts & New Rules
Millions of Americans rely on Social Security payments to make ends meet, and with June 2025 approaching, many are asking: When will checks arrive — and is anything changing?
The good news is that the payment calendar remains consistent, but there are some new developments retirees and disability beneficiaries should be aware of this month.
Here’s everything you need to know about the June 2025 Social Security payment schedule, how the distribution works, and who might see changes to their benefits.
When Will Social Security Payments Be Sent in June 2025?
Social Security benefits are disbursed based on birthdates and recipient categories. Here’s the breakdown for June 2025:
- June 3: Supplemental Security Income (SSI) recipients and those who began receiving Social Security before May 1997 will be paid on this date.
- June 12: Individuals with birthdays between the 1st and 10th of any month will receive their benefits.
- June 18: Those born between the 11th and 20th will receive payments (delayed by one day due to Juneteenth, a federal holiday on June 19).
- June 25: Recipients with birthdays from the 21st to 31st will receive their checks.
Important: If your payment doesn’t arrive on your scheduled date, the Social Security Administration advises waiting three mailing days before contacting them or your bank.
What’s Changing with Social Security in June 2025?
While the basic schedule is intact, June brings two major changes that could affect beneficiaries:
1. Increased Processing Delays for Some New Applicants
Due to internal staffing issues and higher-than-average new applications, the SSA has warned of potential delays in processing new claims for retirement and disability benefits. This won’t impact existing payments but may affect those waiting for approval or adjustments.
2. Payment Adjustments for Some SSI and SSDI Recipients
A review of income eligibility thresholds has resulted in adjustments to benefit amounts for some Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) recipients. Notices are being mailed directly to those affected.
Warning for Some Beneficiaries: 15% Garnishment May Apply to Student Loan Holders
Starting in June 2025, certain Social Security recipients may face an automatic 15% garnishment of their monthly benefits due to unpaid federal student loans.
This policy, authorized under the Debt Collection Improvement Act, allows the federal government to withhold a portion of Social Security payments to recover defaulted loan balances — and it’s already impacting vulnerable seniors.
Who Is Affected?
- Retirees and disability beneficiaries with outstanding federal student loans that are in default status.
- Individuals who have not arranged for repayment or who missed rehabilitation opportunities.
How the Garnishment Works
- Up to 15% of your monthly benefit can be deducted — but your check cannot be reduced below $750, a limit set by the Department of Treasury.
- Garnishment continues until the debt is satisfied or alternative arrangements are made with the Department of Education or loan servicers.
If You Are Affected
If you are at risk or currently experiencing garnishment:
- Contact your loan servicer immediately to explore repayment or rehabilitation options.
- Apply for income-driven repayment plans or seek loan discharge if eligible (especially for total and permanent disability).
- Consider seeking advice from a federal student loan ombudsman or legal aid organization.
For many older Americans living on a fixed income, losing even a fraction of their Social Security check can have devastating effects. If you’re unsure whether you’re at risk, check your loan status on studentaid.gov or contact the Social Security Administration for further clarification.
Avoiding Delays: What You Can Do
To ensure timely and accurate payments:
- Use direct deposit: Paper checks can be delayed, especially around holidays.
- Update your information: Make sure your address, bank details, and contact information are current with SSA.
- Watch for mailed notices: Any change to your benefit will be communicated by mail or through your My Social Security account.
Stay informed and plan ahead. Social Security remains a lifeline for over 71 million Americans — knowing your payment dates and any upcoming changes is key to staying financially secure.
If you’re unsure about your benefits or need personalized guidance, visit SSA.gov or call 1-800-772-1213.
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