Missing Social Security Check? Here’s What to Do

If your June 2025 Social Security check hasn’t arrived — or the amount is lower than expected — you’re not alone. With payment dates scattered across the month and new garnishment rules in effect, many beneficiaries are facing delays or unexpected deductions.

Here’s a breakdown of what’s happening and what steps you can take.

June 2025 Social Security Payment Schedule

Before assuming your check is missing, double-check this month’s schedule:

• SSI Recipients: Received Friday, May 30
• Group 1 (born 1st–10th): Wednesday, June 12
• Group 2 (born 11th–20th): Wednesday, June 18
• Group 3 (born 21st–31st): Wednesday, June 25
• SSDI, Survivor, and Retirement Benefits (pre-1997): Monday, June 3

If your birth date doesn’t align with a group above or you receive multiple types of benefits, your deposit date may vary.

Why Your Social Security Check May Be Late or Wrong

Several issues can impact your June benefit:

• Payment Processing Delays: The SSA has reported occasional backlogs linked to the Social Security Fairness Act’s rollout.
• New Student Loan Garnishments: A 15% deduction may now apply to certain beneficiaries with defaulted federal student loans.
• Benefit Overpayments: If the SSA believes you were overpaid in the past, it may withhold funds.
• Medical Status Updates: Disability recipients whose condition has improved may see their payments paused or adjusted.
• Banking Errors: Closed accounts or incorrect direct deposit info can delay or reroute your payment.
• Eligibility Issues: Returning to work or failing to report income may disqualify you temporarily.

How to Report a Missing or Incorrect Payment

If your scheduled payment date has passed and you haven’t received your full amount, follow these steps:

1. Wait Three Business Days
   The SSA recommends waiting at least three mailing days after your expected date before filing a claim.
2. Contact the SSA
   • Call: 1-800-772-1213 (TTY 1-800-325-0778)
   • Hours: Weekdays, 8 a.m. to 7 p.m.
   • Online: www.ssa.gov/myaccount
3. Check Your SSA Account
   Your personal mySSA portal will show payment history and pending deposits.
4. Visit a Local Office
   Walk-ins are allowed, but scheduling an appointment will minimize wait times.

How to Protect Future Payments

To avoid issues going forward, consider the following:

• Update Banking Info Promptly: Outdated account details are a leading cause of delays.
• Report Income Changes: Especially for early retirees or SSDI recipients.
• Review Medical Status Notices: Respond quickly to any SSA requests for medical re-evaluation.
• Check for Debt Offsets: Use the Treasury Offset Program site to see if your benefits are being garnished.

What to Expect After Filing a Complaint

Once the SSA has been notified:

• Direct deposit issues are usually resolved within 3–5 business days.
• Check replacement (if mailed) may take 7–14 business days.
• Garnishment disputes can take several weeks and may require submitting documentation or appeal forms.

Common Causes of Payment Issues

Need More Help?

Visit the SSA’s frequently asked questions or use their online support center for help resolving specific issues.

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