Social Security Payments June 2026: Full Schedule, Dates, and Amounts

Social Security payments in June 2026 are distributed on five separate dates depending on the benefit program and the recipient’s birth date.

SSI payments arrive on Monday, June 1, 2026. Retirement and disability payments arrive on Wednesday, June 10, Wednesday, June 17, or Wednesday, June 24, 2026, based on the beneficiary’s birth date.

This guide covers the complete June 2026 payment schedule, benefit amounts, the 2026 COLA impact, late payment steps, and scam alerts.

June 2026 Social Security Payment Schedule — Exact Dates

The five Social Security payment dates for June 2026 are Monday, June 1; Wednesday, June 3; Wednesday, June 10; Wednesday, June 17; and Wednesday, June 24. Each date applies to a specific group of beneficiaries. The Social Security Administration (SSA) uses a birth-date-based rotation system introduced in 1997 to distribute retirement and disability payments. SSI follows a separate first-of-the-month rule.

June 2026 Payment Dates by Program and Birth Date

Payment TypePayment DateWho Receives This Payment
Supplemental Security Income (SSI)Monday, June 1, 2026All SSI recipients
Legacy / Concurrent (SSI + SSDI)Wednesday, June 3, 2026Benefits began before May 1997, or receiving both SSI and SSDI
Birth dates 1st through 10thWednesday, June 10, 2026Retirement, SSDI, survivor beneficiaries
Birth dates 11th through 20thWednesday, June 17, 2026Retirement, SSDI, survivor beneficiaries
Birth dates 21st through 31stWednesday, June 24, 2026Retirement, SSDI, survivor beneficiaries

The payment date is determined by the beneficiary’s own date of birth, not the date of the deceased worker in most survivor cases. Verify your specific date at ssa.gov.

Why Payments Are Split Across Different Wednesdays

The Wednesday rotation system was introduced by the SSA in 1997 to spread payment volume and reduce banking system congestion. Before 1997, all Social Security retirement and disability payments were issued on the third of each month. The current system assigns payment dates by dividing birth dates into three groups: the 1st through the 10th, the 11th through the 20th, and the 21st through the 31st. Beneficiaries who were already receiving payments before May 1997 continue to receive payments on the third of the month (Wednesday, June 3, 2026) under a grandfather provision.

SSI follows a different rule entirely. SSI is paid on the first calendar day of each month. When the first falls on a weekend or federal holiday, SSI payments are issued on the preceding business day. Monday, June 1, 2026, is a regular business day, so no early payment adjustment occurs this month.

Does Juneteenth Affect June 2026 Social Security Payments?

Juneteenth, observed on Friday, June 19, 2026, does not affect any standard Social Security payment dates in June 2026. No regular Wednesday payment falls on June 19. The scheduled Wednesday payments — June 10, June 17, and June 24 — are unaffected. However, SSA field offices will be closed on Friday, June 19, 2026. If you need in-person assistance during the week of June 15 through June 20, plan to visit on Monday through Thursday.

Bank processing times for the June 17 payment cycle are not impacted by the Juneteenth holiday.

Social Security Payment Amounts for June 2026

Social Security payment amounts in June 2026 reflect the 2.8% Cost-of-Living Adjustment (COLA) that took effect in January 2026. The 2026 COLA was calculated using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), as required by law. The adjustment applies to all Social Security and SSI payments throughout 2026, including June.

Average Monthly Benefit Amounts by Recipient Type (2026)

Recipient CategoryAverage Monthly Benefit in 2026
Retired worker (individual)$2,071
Aged couple (both receiving benefits)$3,208
Disabled worker$1,630
Widowed mother with two children$3,898
Aged widow or widower (alone)$1,919
SSI individual (maximum federal payment)$994
SSI couple (maximum federal payment)$1,491
SSI essential person$498

Source: Social Security Administration, 2026 COLA Fact Sheet.

Maximum Social Security Benefit in 2026

The maximum monthly Social Security benefit for new retirees in 2026 depends on the age at which they begin collecting benefits.

  • Retiring at age 70: up to $5,181 per month
  • Retiring at full retirement age (67): up to $4,152 per month
  • Retiring at age 62: up to $2,969 per month

These figures represent the ceiling for high earners who contributed the maximum taxable amount for 35 or more years. Most recipients receive amounts below these maximums.

Why Your Net June Check May Be Lower Than the COLA Amount

Medicare Part B premium deductions reduce the net Social Security payment for most enrolled beneficiaries. The standard Medicare Part B premium increased by 11.6% in 2026, reaching $202.90 per month. This amount is typically deducted directly from Social Security payments before deposit. For the average retiree receiving the full 2.8% COLA increase of approximately $56 per month, the net monthly gain after the Medicare deduction of $202.90 is approximately $38.

Additional deductions that may reduce your net June check include:

  • Voluntary federal income tax withholding (7%, 10%, 12%, or 22% of benefit)
  • Medicare Part D premium deductions
  • Medicare Advantage plan premium deductions
  • Garnishment for certain federal debts (student loans, tax debts)

How to Find Your Exact June 2026 Payment Amount

To verify your specific benefit amount, follow these steps:

  1. Go to ssa.gov and click “Sign In” to access your my Social Security account.
  2. Log in using ID.me or Login.gov credentials.
  3. Navigate to “Benefits & Payments.”
  4. Select “View Payment History” or “Current Benefit Amount.”

For those not yet receiving benefits, the SSA Benefit Estimator at ssa.gov/benefits/estimator provides a personalized projection based on your earnings record.

SSI, SSDI, and Retirement — Which June 2026 Payment Schedule Applies to You

The payment schedule for June 2026 differs based on which Social Security program the beneficiary receives. The three primary programs — Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), and retirement benefits — each follow distinct rules for payment timing and eligibility.

Supplemental Security Income (SSI) in June 2026

SSI payments for June 2026 are scheduled for Monday, June 1, 2026. SSI is a needs-based program administered by the SSA for individuals aged 65 or older, blind, or disabled who have limited income and resources. SSI eligibility is not based on work history.

Key SSI figures for 2026:

  • Maximum federal payment for an individual: $994 per month
  • Maximum federal payment for a couple (both eligible): $1,491 per month
  • Resource limit: $2,000 for individuals, $3,000 for couples
  • State supplements vary by state and are paid separately in some states

SSI payments are reduced dollar-for-dollar by countable income above $20 per month in unearned income and $65 per month in earned income.

Social Security Disability Insurance (SSDI) in June 2026

SSDI payments for June 2026 follow the same birth-date Wednesday schedule as retirement benefits: Wednesday, June 10 for birth dates 1 through 10, Wednesday, June 17 for birth dates 11 through 20, and Wednesday, June 24 for birth dates 21 through 31. SSDI is based on the recipient’s work history and Social Security contributions. The average SSDI payment in 2026 is approximately $1,630 per month.

The Substantial Gainful Activity (SGA) limit for 2026 is $1,690 per month for non-blind individuals and $2,590 per month for blind individuals. Earning above SGA while receiving SSDI may trigger a continuing disability review and potential benefit suspension. Report all earnings to the SSA before they affect your June payment.

Retirement Benefits in June 2026

Social Security retirement benefits for June 2026 are paid on the same Wednesday birth-date schedule as SSDI. The benefit amount is based on your Average Indexed Monthly Earnings (AIME) and Primary Insurance Amount (PIA), derived from your 35 highest-earning years.

Key 2026 retirement figures:

  • Full retirement age: 67 for those born in 1960 or later
  • Early retirement reduction: benefits reduced permanently if taken before full retirement age
  • Delayed retirement credit: benefits increase by approximately 8% for each year delayed past full retirement age, up to age 70
  • 2026 earnings limit for those below full retirement age: $24,480 per year (benefits are temporarily reduced by $1 for every $2 earned above this limit)

Survivor Benefits in June 2026

Survivor benefits in June 2026 are paid according to the deceased worker’s birth date, not the survivor’s birth date. This applies to widows, widowers, eligible children, and dependent parents receiving survivor payments. The lump-sum death payment of $255 is a separate, one-time payment and is not part of the monthly schedule.

Survivor TypeAverage Monthly Benefit 2026
Aged widow or widower (alone)$1,919
Widowed mother or father with two children$3,898
Disabled widow or widowervaries by earnings record

Concurrent Benefits — Receiving Both SSI and Social Security

Beneficiaries who receive both SSI and Social Security retirement or SSDI receive two separate payments in June 2026: SSI on Monday, June 1, and the Social Security payment on the applicable Wednesday.

This is called concurrent receipt. The SSI payment amount is reduced by the countable income from the Social Security benefit, minus a $20 general income exclusion.

Those who began receiving benefits before May 1997 and also receive SSI have their Social Security payment issued on Wednesday, June 3, 2026, under the legacy payment date rule.

Is There an Extra Social Security Payment in June 2026

No. The Social Security Administration does not issue extra, bonus, or double payments in June 2026. This is one of the most-searched questions in the weeks preceding each payment month, driven in part by social media misinformation and fraudulent solicitations. The correct answer is direct: June 2026 has no additional payment events, stimulus deposits, or mid-year COLA adjustments.

What COLA Is and When It Takes Effect

The Cost-of-Living Adjustment (COLA) for 2026 was announced by the SSA in October 2025 and took effect with payments beginning in January 2026. The 2026 COLA is 2.8%, calculated using the third-quarter average of the CPI-W compared to the prior year’s third-quarter average. This adjustment is applied once per year, at the start of each calendar year. COLA does not create additional payments at any point during the year.

The SSI Calendar Effect — Why Some Months Appear to Have Two Payments

Some months create the appearance of two SSI payments because SSI is always paid on the first of the month, and if the first falls on a weekend or federal holiday, payment is moved to the preceding business day. This means the prior month’s SSI payment arrives in the last days of the previous month, and the current month’s SSI payment arrives on the first. June 2026 does not trigger this scenario. Monday, June 1, 2026, is a regular business day. SSI is paid once in June 2026, on Monday, June 1.

Scam Alert — “Extra June Payment” Phishing

Fraudsters use claims of “extra June checks,” “bonus Social Security deposits,” and “pending payments” to trick beneficiaries into clicking malicious links or sharing banking information. The SSA does not contact beneficiaries by unsolicited text message, email, or social media regarding payment status. Any communication claiming you must act to receive an additional June payment is a scam.

Report suspected Social Security scams to the SSA Office of Inspector General (OIG):

What to Do If Your Social Security Payment Is Late in June 2026

If your Social Security payment has not arrived by the end of the business day on your scheduled payment date, allow 3 full business days before contacting the SSA. This is the standard SSA guidance for direct deposit recipients. Bank processing times vary, and most late deposits appear within 1 to 3 business days of the scheduled date.

Common Reasons for a Delayed June 2026 Deposit

The following situations cause delayed payments:

  • Bank processing delays — Direct deposits are initiated early in the morning Eastern Time. Some banks hold federal deposits for 1 to 2 business days.
  • Recent direct deposit change — Account changes take 30 to 60 days to process. If you updated your bank account less than 60 days before June, your payment may still go to the old account.
  • Account verification hold — Your bank may place a hold on new or recently changed accounts.
  • Fraud flag on your account — Banks sometimes block transactions when unusual activity is detected, including large or unexpected deposits from new sources.
  • Paper check delays — If you receive a paper check rather than direct deposit, postal delays of 3 to 7 business days are common.

What “TREAS 310” Means on Your Bank Statement

“TREAS 310” appearing on your bank statement with “SSA” or “USA” confirms that a federal Social Security payment has been deposited. This is the standard descriptor used by the U.S. Department of the Treasury for electronic benefit payments. No action is required when you see this label. It is not an error or a duplicate transaction.

Steps to Report a Missing June 2026 Payment

Follow these steps if your payment is missing after 3 business days:

  1. Check your bank account online or via mobile app to confirm the deposit has not arrived.
  2. Verify your scheduled payment date using the birth-date table above.
  3. Confirm your direct deposit information is current by logging into your my Social Security account at ssa.gov.
  4. Call the SSA at 1-800-772-1213 (TTY: 1-800-325-0778). Lines are open Monday through Friday, 8:00 AM to 7:00 PM Eastern Time.
  5. Provide your Social Security number, bank account information, and the expected payment date.
  6. Record your case number and the name of the SSA representative who assists you.

The SSA can investigate missing payments and initiate a trace with the U.S. Treasury if necessary.

If You Changed Your Bank Account Before June 2026

If you submitted a direct deposit change less than 60 days before your June 2026 payment date, your June payment may still go to the previous account. Do not close the old bank account until the new direct deposit has been confirmed with at least one successful payment. Contact the SSA at 1-800-772-1213 to confirm which account will receive your June payment.

How to Manage Your Social Security Account Online

The SSA’s my Social Security account, available at ssa.gov, allows beneficiaries to view payment history, update direct deposit details, request benefit verification letters, and access Form SSA-1099 online. Account access requires identity verification through ID.me or Login.gov with two-factor authentication.

Creating or Accessing Your My Social Security Account

  1. Go to ssa.gov and click “Sign In.”
  2. Select “Create an Account” or sign in with an existing ID.me or Login.gov credential.
  3. Complete identity verification using a government-issued ID and a phone number or email for two-factor authentication.
  4. Once logged in, navigate to “Benefits & Payments” to view your current benefit amount, payment history, and direct deposit information.

How to Update Direct Deposit Information Before June 2026

Direct deposit changes submitted online, by phone, or in person take 30 to 60 days to process. To avoid missing your June 2026 payment, submit any account changes no later than mid-April 2026.

Three methods to update direct deposit:

  • Online: Log into your my Social Security account → “Direct Deposit” → enter new bank routing and account numbers.
  • By phone: Call 1-800-772-1213 and request the change with a representative.
  • In person: Visit your local SSA field office. Use the SSA Office Locator to find the nearest office.

Requesting a Benefit Verification Letter

A benefit verification letter confirms the amount of Social Security income you receive and is accepted as proof of income for housing applications, Medicaid, financial planning, and other purposes. The letter is available immediately through your my Social Security account and can be printed or downloaded as a PDF.

To request the letter: log into my Social Security → “Get a Benefit Verification Letter” → download or print.

Social Security Taxes in June 2026 — What Beneficiaries Need to Know

Up to 85% of Social Security benefits may be subject to federal income tax in 2026, depending on the beneficiary’s combined income. The IRS defines “combined income” as Adjusted Gross Income (AGI) plus nontaxable interest plus one-half of Social Security benefits. This calculation applies regardless of which month the benefit is paid.

Federal Income Tax Thresholds for Social Security Benefits (2026)

Filing StatusCombined Income RangePercentage of Benefits Taxable
SingleBelow $25,0000%
Single$25,000 to $34,000Up to 50%
SingleAbove $34,000Up to 85%
Married filing jointlyBelow $32,0000%
Married filing jointly$32,000 to $44,000Up to 50%
Married filing jointlyAbove $44,000Up to 85%

Source: IRS Publication 915 — Social Security and Equivalent Railroad Retirement Benefits.

These thresholds have not been adjusted for inflation since their introduction in 1983 and 1993, which means a growing share of beneficiaries are affected as benefit amounts increase over time.

The 2026 Senior Bonus Deduction

Under legislation effective for tax years 2025 and 2026, taxpayers aged 65 and older are eligible for a $6,000 Senior Bonus Deduction when calculating taxable income. This deduction reduces the overall Adjusted Gross Income used in the combined income formula, which may lower the taxable share of Social Security benefits for eligible filers. Consult a qualified tax professional to determine how this deduction applies to your individual situation.

Voluntary Tax Withholding from Social Security

You can request that federal income tax be withheld directly from your monthly Social Security payment to avoid a large tax liability in April. Withholding rates available are 7%, 10%, 12%, and 22% of your monthly benefit. To set up withholding:

  1. Complete IRS Form W-4V (Voluntary Withholding Request).
  2. Submit the completed form to your local SSA field office by mail or in person — the form cannot be submitted online.
  3. Allow 1 to 2 payment cycles for the withholding to take effect.

Social Security Taxes for Workers — The 2026 Payroll Tax Structure

The Social Security payroll tax rate for employees and employers remains unchanged at 6.2% each in 2026, applied to earnings up to the taxable maximum of $184,500. Self-employed individuals pay both the employee and employer portions, for a combined rate of 12.4%.

Tax ComponentEmployee RateEmployer RateSelf-Employed Rate
Social Security (OASDI)6.2%6.2%12.4%
Medicare (HI)1.45%1.45%2.9%
Total FICA / SECA7.65%7.65%15.3%

Source: IRS Revenue Procedure, 2026 Social Security Fact Sheet.

The maximum Social Security tax paid by an employee earning at or above the wage base in 2026 is $11,439. For self-employed individuals, the maximum is $22,878, though a deduction equal to the employer-equivalent portion (7.65%) is available when calculating AGI.

The Medicare tax of 1.45% applies to all covered earnings with no wage cap. An additional 0.9% Medicare surtax applies to individual earnings exceeding $200,000, or $250,000 for married couples filing jointly.

Protecting Yourself from Social Security Scams in June 2026

The SSA does not contact beneficiaries by unsolicited phone call, text message, email, or social media about payments, account suspensions, or pending deposits. Any unsolicited communication claiming to be from the SSA regarding your June 2026 payment should be treated as a potential scam.

What the SSA Will Never Do

The SSA will never:

  • Send an unsolicited text message or email about a pending payment or suspended account
  • Threaten arrest, deportation, or legal action over the phone
  • Demand payment via gift cards, wire transfer, cryptocurrency, or prepaid debit cards
  • Ask for your Social Security number, bank account number, or personal information through an unsolicited contact
  • Promise an “extra check,” “bonus payment,” or “stimulus deposit” requiring you to take action

Red Flags to Identify a Social Security Scam

Watch for these warning signs:

  • A message stating your June 2026 payment is “pending” and requires you to click a link to confirm your information
  • A caller claiming your Social Security number has been suspended due to suspicious activity
  • An email or text offering an “extra Social Security check” for June
  • A request for your bank account details to “update” your direct deposit outside of the official SSA website
  • Urgency or threats designed to pressure you to act immediately

How to Report a Social Security Scam

Report all suspected scams through the following official channels:

Save any screenshots, phone numbers, email addresses, or text messages before reporting. This information assists investigators in tracking scam operations.

Receiving Social Security Payments Internationally in June 2026

U.S. Social Security benefits can be received via direct deposit into a foreign bank account in most countries, including Ghana and other West African nations. The SSA processes international direct deposits through the Federal Benefits Unit in the relevant region.

Timing for International Recipients

U.S. Social Security direct deposits are initiated early morning Eastern Time (EST) on the scheduled payment date. For recipients in West Africa, Ghana operates on West Africa Time (WAT), which is 5 hours ahead of Eastern Time. A deposit initiated at 6:00 AM EST on Wednesday, June 10 corresponds to 11:00 AM WAT on the same date. However, international bank processing adds 1 to 2 additional business days in most cases.

Key guidance for international recipients:

  • Notify your local bank that you expect a regular U.S. federal benefit deposit to prevent fraud holds.
  • Confirm that your foreign bank account is enabled to receive ACH or international wire transfers from U.S. Treasury.
  • If traveling in June 2026, ensure your bank account remains active and notify your bank to prevent temporary blocks.

For West Africa-specific inquiries about receiving U.S. Social Security benefits abroad, contact the SSA Federal Benefits Unit. Beneficiaries outside the United States can also call the Federal Benefits Unit through the U.S. embassy or consulate in their country.

Frequently Asked Questions About Social Security Payments in June 2026

When will Social Security payments be deposited in June 2026?

SSI is deposited on Monday, June 1, 2026. Retirement and disability payments are deposited on Wednesday, June 10 (birth dates 1–10), Wednesday, June 17 (birth dates 11–20), or Wednesday, June 24 (birth dates 21–31). Legacy recipients (those enrolled before May 1997 or receiving concurrent SSI and SSDI) receive payment on Wednesday, June 3, 2026. Verify at ssa.gov.

Is there an extra Social Security payment in June 2026?

No. The SSA does not issue extra, bonus, or double payments in June 2026. The 2026 COLA of 2.8% took effect in January 2026 and is already reflected in all monthly payments throughout the year. Any message claiming an extra June check is false and likely a scam.

Why hasn’t my Social Security deposit arrived yet?

Allow 3 full business days from your scheduled payment date before contacting the SSA. Common causes for delays include bank processing holds (1 to 2 days), a recent direct deposit account change (30 to 60 days to process), or a fraud flag placed by your bank. If the payment has not arrived after 3 business days, call 1-800-772-1213.

How much will my Social Security payment be in June 2026?

Your June 2026 payment reflects the 2.8% COLA applied since January 2026. The average retirement benefit is approximately $2,071 per month. The maximum SSI payment is $994 for individuals. Your exact amount is based on your earnings history or SSI eligibility calculation. Log into your my Social Security account at ssa.gov to see your personal benefit amount.

Does Juneteenth affect my June 2026 payment?

No. Juneteenth on Friday, June 19, 2026, does not affect any of the five scheduled June 2026 payment dates. No standard payment falls on that date. SSA field offices are closed on June 19 for the federal holiday, but direct deposits proceed normally.

What does “TREAS 310” mean on my bank statement?

“TREAS 310” with “SSA” or “USA” is the standard bank descriptor for a U.S. Social Security or federal benefit direct deposit. It is not an error. No action is required when you see this entry on your statement.

Can I change my direct deposit before June 2026?

Yes. You can change your direct deposit via your my Social Security account at ssa.gov, by calling 1-800-772-1213, or in person at an SSA field office. Changes take 30 to 60 days to process. Submit any changes no later than mid-April 2026 to ensure the update takes effect before your June payment date.

Is my June 2026 Social Security payment taxable?

Up to 85% of your Social Security benefit may be taxable in 2026, depending on your combined income. The combined income thresholds are $25,000 for single filers and $32,000 for married couples filing jointly for partial taxation. Refer to IRS Publication 915 or consult a qualified tax professional for guidance specific to your situation.

What is the maximum SSI payment in June 2026?

The maximum federal SSI payment in June 2026 is $994 per month for an eligible individual and $1,491 per month for an eligible couple. Some states provide additional supplements above the federal base rate. Contact your state’s Social Security office to determine if a state supplement applies to your payment.

Do SSI and SSDI get paid on the same schedule?

No. SSI is paid on the first of the month (Monday, June 1, 2026). SSDI follows the Wednesday birth-date schedule (June 10, 17, or 24) based on the recipient’s date of birth. If you receive both SSI and SSDI, you receive two separate payments on two different dates in June 2026.

Can I receive both SSI and Social Security retirement benefits?

Yes. Receiving both SSI and Social Security retirement is called concurrent receipt. Your SSI payment will be reduced by the amount of your countable Social Security income, minus a $20 general income exclusion. If you receive both, your retirement payment arrives on the applicable Wednesday date and your SSI payment arrives on Monday, June 1, 2026.

How do I report a missing Social Security payment?

Wait 3 business days past your scheduled payment date, then call SSA at 1-800-772-1213 or report online through your my Social Security account. Have your Social Security number, bank details, and expected payment date ready. Record the SSA representative’s name and your case number for follow-up.


Summary: June 2026 Social Security Payment Reference Table

CategoryDetail
SSI payment dateMonday, June 1, 2026
Legacy / concurrent payment dateWednesday, June 3, 2026
Birth dates 1–10 payment dateWednesday, June 10, 2026
Birth dates 11–20 payment dateWednesday, June 17, 2026
Birth dates 21–31 payment dateWednesday, June 24, 2026
2026 COLA percentage2.8%
Average retirement benefit 2026$2,071 per month
Maximum retirement benefit (age 70)$5,181 per month
Maximum SSI payment (individual)$994 per month
Maximum SSI payment (couple)$1,491 per month
Average SSDI payment 2026$1,630 per month
Medicare Part B premium 2026$202.90 per month
SSDI Substantial Gainful Activity limit$1,690 per month
2026 earnings limit (below full retirement age)$24,480 per year
Social Security taxable wage base 2026$184,500
Juneteenth (June 19) payment impactNone — no payment date affected
SSA general phone number1-800-772-1213
SSA OIG scam reporting1-800-269-0271
Official SSA websitessa.gov

⚠️ Reminder: This page is published for informational purposes only and is not affiliated with the Social Security Administration. Payment dates and amounts are based on SSA published guidelines and should be verified directly at ssa.gov or by calling 1-800-772-1213.

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