$5,108 Social Security Checks In June? 70-Year-Olds Must Meet These Rules To Qualify
For Americans turning or already aged 70, the month of June 2025 could bring an impressive reward from the Social Security Administration (SSA). Those who delay retirement until age 70 can receive up to $5,108 in monthly benefits—the maximum possible Social Security check. But not everyone qualifies automatically.
This article dives into the eligibility criteria, payment dates, and strategies that lead to such high benefit amounts.
Why Waiting Until 70 Pays Off Big
Delaying Social Security until age 70 offers the highest possible monthly benefit. Here’s why:
- The Full Retirement Age (FRA) for most people is between 66 and 67.
- For every year you delay after your FRA, your benefits increase by about 8% annually, up to age 70.
- By waiting until 70, you can boost your monthly benefit by up to 24% compared to claiming at FRA—and nearly 76% more than claiming at age 62.
So, if your calculated FRA benefit is $3,600, waiting until 70 could push that amount up to $5,108.
June 2025 Social Security Payment Schedule for 70-Year-Olds
The exact date of your payment depends on when you started receiving benefits and your birthdate.
| Payment Group | Payment Date in June 2025 |
|---|---|
| Received benefits before May 1997 | June 3, 2025 |
| Receiving SSI + Retirement Benefits | June 3, 2025 |
| Birth date: 1st–10th of any month | June 11, 2025 |
| Birth date: 11th–20th of any month | June 18, 2025 |
| Birth date: 21st–31st of any month | June 25, 2025 |
You must also have filed correctly and met work history requirements to qualify for maximum benefits.
How to Get the $5,108 Maximum Social Security Check
Not every 70-year-old will receive the maximum benefit. To get the full $5,108 per month, you must meet all of these conditions:
1. Delay Retirement Until Age 70
Delaying benefits past your FRA earns you delayed retirement credits, maxing out at 70.
2. Work at Least 35 Years
SSA calculates benefits based on your highest-earning 35 years. Fewer than 35 years? Zeros are factored in, lowering your average.
3. Earn the Taxable Maximum
You must consistently earn the Social Security taxable maximum—the highest income on which Social Security taxes are levied. In 2025, this amount is $168,600.
4. Pay Social Security Taxes
Only jobs where you pay into Social Security count. Some government or railroad jobs may not qualify.
Other Ways to Boost Retirement Income
If waiting until age 70 isn’t feasible, there are still ways to maximize your retirement savings:
- Max out employer-sponsored plans like 401(k) or 403(b)
- Open a Roth IRA or Traditional IRA
- Use a Health Savings Account (HSA) if eligible
- Cut expenses and contribute any windfalls (tax refunds, bonuses) to retirement
Each small step adds up and helps close the gap toward a secure retirement.
Average vs. Maximum: Where Do You Stand?
As of 2025, the average monthly Social Security benefit for retired workers is around $1,910, while the maximum possible payment for someone filing at age 70 is $5,108.
| Category | Estimated Monthly Benefit (2025) |
|---|---|
| Retire at 62 | $2,275 (Reduced benefit) |
| Retire at Full Retirement Age | $3,600 (Full benefit) |
| Retire at Age 70 | $5,108 (Maximum benefit) |
| Average Retirement Benefit (all ages) | $1,910 |
If you’re turning 70 or already 70 in June 2025, you’re in the best position to collect the maximum Social Security check—$5,108 per month—if you’ve worked for 35 years, consistently earned high wages, and delayed retirement.
Your payment could arrive as early as June 3, 2025, depending on when you filed and your birthdate. If you’re still planning your retirement, these rules offer a powerful incentive to wait and optimize your benefits.
FAQs
Can I still get $5,108 from Social Security if I didn’t work for 35 years?
No. You need at least 35 years of high earnings. Any missing years count as zero, which lowers your monthly benefit.
When will 70-year-olds receive their June 2025 Social Security payments?
Depending on your birthdate and benefit history, payments will arrive on June 3, 11, 18, or 25, 2025.
Is it worth delaying Social Security until age 70?
Yes, if you can afford to wait, your monthly benefit increases by 8% each year past your FRA, maxing out at age 70.
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