Millions of retirees across the United States depend on Social Security for monthly income. Some may be eligible for a payment of up to $5,108, but only if they meet specific criteria.
This high benefit amount is set for direct deposit on June 25, 2025. However, individuals still receiving paper checks should prepare for changes.
Paper Checks to Be Replaced by Electronic Payments
The U.S. Government has confirmed that paper checks will soon be phased out due to a new Executive Order. Starting September 30, 2025, all Social Security and IRS payments will be issued electronically.
If you’re still receiving checks, it’s time to switch to direct deposit or consider getting a Direct Express® Debit Mastercard®. Ensure your banking information is updated to avoid missing future payments.
Social Security Payment Schedule for This Week
The Social Security Administration (SSA) issues payments just four times each month. Recipients are assigned one of those paydays based on their birth dates.
While some beneficiaries receive both Social Security and Supplemental Security Income (SSI), those set to be paid on June 25 will not be SSI recipients.
If you qualify for both SSI and Social Security, your payments will arrive on July 1 and July 3—SSI on the 1st and retirement benefits on the 3rd.
Those expecting a June 25 payment must have a birth date between the 21st and 31st of any month. If you’ve already received a payment earlier in June, your next one will come in July.
How to Qualify for the Maximum $5,108 Benefit
After the 2025 cost-of-living adjustment (COLA), the maximum retirement payment reached $5,108. However, the average monthly benefit remains around $2,002. Qualifying for the highest amount requires meeting four important conditions.
First, you must delay filing for benefits until age 70. Second, you must have worked for at least 35 years. Third, all those years must include jobs that paid into the Social Security system.
Finally, you need to have earned the maximum taxable income every year for those 35 years. Missing even one requirement can significantly lower your payment amount.
FAQs
Who will get the June 25 Social Security payment?
Only retirees born between the 21st and 31st of any month who haven’t already been paid in June.
What is the new maximum Social Security payment in 2025?
The highest possible retirement payment in 2025 is $5,108 after the COLA increase.
When will paper checks stop for Social Security and IRS payments?
The government will stop issuing paper checks starting September 30, 2025.
What do I need to get the maximum Social Security benefit?
Work 35 years, earn the taxable maximum each year, file at 70, and pay into Social Security.
Shirley is a passionate finance blog writer with a knack for simplifying complex money matters. With a background in personal finance and years of experience in content creation, she helps readers make smarter decisions about budgeting, saving, investing, and financial planning. Shirley's goal is to empower individuals to take control of their finances—one blog post at a time.