If you’re hearing talk about a $3,089 Social Security payment for couples this June, you’re not alone. It’s one of the biggest updates for retirees in 2025. With a fresh Cost-of-Living Adjustment (COLA), new legislation, and ongoing inflation, this boost means a lot for households relying on Social Security income.
Here’s what you need to know about eligibility, how much you’ll get, when the payments arrive, and how to check your benefits.
Overview
The average Social Security payment for couples in June 2025 is $3,089 per month. That’s thanks to a 2.5% COLA increase applied at the start of the year. COLA is designed to help retirees maintain purchasing power as prices go up. It’s based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
For individuals, the average monthly benefit in 2025 is around $1,907. When both spouses qualify, their total often hits or exceeds $3,089, though actual payments depend on each person’s work history and retirement age.
Social Security Snapshot (June 2025)
| Detail | Information |
|---|---|
| Average for Couples | $3,089 per month |
| Individual Average | $1,907 per month |
| COLA Adjustment | 2.5% for 2025 |
| Key Payment Dates | June 9, June 16, June 23 |
| Eligibility Requirement | 40 work credits |
| Spousal Benefits | Up to 50% of spouse’s benefit |
| Retroactive Adjustments | Included under Fairness Act |
| Official Website | ssa.gov |
Eligibility
To qualify for Social Security, you need to have earned 40 work credits. That’s typically about 10 years of work. In 2025, you earn one credit for every $1,730 of income, with a max of four per year.
Benefits are calculated using your 35 highest-earning years. If you didn’t work for 35 years, those missing years count as zeros and can reduce your monthly payment.
Survivor Benefits
Even if one spouse didn’t work or worked very little, they may still be eligible for spousal benefits—up to 50% of their partner’s benefit. This is especially helpful for couples where one spouse stayed home or had part-time jobs.
Survivor benefits are also available if one spouse passes away. The surviving partner may receive the deceased spouse’s full benefit, helping maintain financial stability.
June Payment Dates
The Social Security Administration pays benefits based on the recipient’s birthdate. Here’s how it breaks down for June 2025:
- Born between the 1st and 10th: Payment on Wednesday, June 9
- Born between the 11th and 20th: Payment on Wednesday, June 16
- Born between the 21st and 31st: Payment on Wednesday, June 23
If you started receiving benefits before May 1997, your payment arrives on the 3rd of each month, no matter your birthday. SSI recipients usually get paid on the 1st of each month.
Direct deposit is highly recommended. It’s faster, more secure, and reduces the chance of delays or lost checks.
Checking Your Status
To check your upcoming payment or review your benefits, use the Social Security Administration’s online portal. Here’s how:
- Go to ssa.gov
- Click on “my Social Security” and log in or create an account
- Select “Benefits & Payments” to view your next payment date and amount
You can also update your direct deposit info, contact details, and download statements. It’s a good idea to review your account monthly to ensure accuracy.
New Legislation
A major win for retirees in 2025 is the repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These rules used to reduce benefits for people with public pensions, like teachers, firefighters, and police officers.
Thanks to the Social Security Fairness Act, about 3 million retirees will now receive full benefits. If you were previously affected, your June payment may include a retroactive adjustment to make up for past underpayments.
Key Takeaways
- COLA increased Social Security checks by 2.5% in 2025
- Average couple payment in June is $3,089
- Birthdate determines when you get paid
- New legislation means more equitable payments for public workers
- Use SSA tools to check and manage your benefits
Knowing how Social Security works—and what changes could affect your payment—puts you in control. Whether you’re retired, planning to retire, or helping a loved one, staying informed helps you make the most of your benefits.
FAQs
How much is the average couple’s Social Security?
$3,089 per month in June 2025 after COLA.
When are June 2025 payments issued?
June 9, 16, or 23—based on your birthdate.
What are spousal Social Security benefits?
Up to 50% of the other spouse’s benefit amount.
What is the Social Security Fairness Act?
It repeals WEP and GPO for public workers.
How do I check my Social Security status?
Log in to ssa.gov and check under ‘Benefits & Payments’.
