As June 2025 approaches, millions of Americans eagerly anticipate their monthly government benefit payments, with many recipients expecting direct deposits averaging $698.

These payments represent crucial financial support for vulnerable populations, including elderly individuals, disabled persons, and low-income families who depend on Supplemental Security Income (SSI) and related federal benefit programs.

Understanding the $698 Payment Amount

The $698 figure represents the average monthly SSI payment amount for 2025, reflecting adjustments made through the Cost-of-Living Adjustment (COLA) that took effect in January 2025.

The Social Security Administration implemented a 2.5% COLA increase, bringing the maximum individual SSI payment to $967 per month for eligible recipients.

However, actual payment amounts vary significantly based on individual circumstances.

The $698 average reflects the reality that many recipients receive reduced payments due to various factors including other income sources, living arrangements, and family situations.

Recipients living in someone else’s home without paying their fair share of expenses may see reductions of up to $342.33 from their monthly payment.

June 2025 Payment Schedule Details

The Social Security Administration follows a structured payment schedule designed to distribute benefits efficiently throughout the month.

For June 2025, SSI recipients can expect their payments according to the following timeline:

SSI Payments: Monday, June 2, 2025 – Since June 1st falls on a Sunday, the SSA will issue payments on the next business day. SSI recipients typically receive their benefits on the first of each month, with adjustments made for weekends and federal holidays.

SSDI Payment Distribution: Social Security Disability Insurance payments follow a birth date-based schedule:

• June 11: Recipients with birthdays from the 1st through 10th

• June 18: Recipients with birthdays from the 11th through 20th

• June 25: Recipients with birthdays from the 21st through 31st

Special provisions apply for SSDI recipients who began receiving benefits before May 1997 or who also qualify for SSI – these individuals receive payments on the third of the month.

Eligibility Requirements and Qualification Criteria

To receive SSI benefits averaging $698 monthly, applicants must meet stringent federal requirements.

The program serves individuals who are 65 years or older, blind, or disabled, with limited financial resources. Key eligibility factors include:

Income Limitations: Recipients must have minimal income from other sources. The SSA reduces SSI payments by approximately $1 for every $2 earned from work activities. Non-work income such as pensions or other government benefits results in nearly dollar-for-dollar reductions.

Asset Restrictions: Individuals can own no more than $2,000 in countable resources, while couples face a $3,000 limit. Certain items like primary residences, one vehicle, and personal belongings don’t count toward these limits.

Citizenship and Residency: Applicants must be U.S. citizens or qualified non-citizens residing within the United States, its territories, or the Northern Mariana Islands.

Impact of Recent Legislative Changes

The Social Security Fairness Act, signed into law in January 2025, has significantly impacted benefit calculations for many recipients.

This legislation eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), potentially increasing payments for public sector retirees who previously faced benefit reductions.

The SSA has processed over 2.5 million retroactive payments to individuals previously affected by these provisions, with many recipients receiving substantial lump-sum payments in addition to increased monthly benefits.

These changes may affect some individuals’ total monthly income, potentially influencing their SSI eligibility or payment amounts.

Direct Deposit Process and Banking Requirements

Most recipients receive their $698 average payments through direct deposit, which provides faster, more secure payment delivery compared to paper checks. To ensure uninterrupted benefit receipt, beneficiaries must maintain current banking information with the SSA.

Recipients can update their direct deposit information through their my Social Security account online, by calling the SSA at 1-800-772-1213, or by visiting local Social Security offices. The agency recommends updating information well before payment dates to avoid processing delays.

For those preferring paper checks, payments typically arrive 3-5 business days after the electronic deposit date, though this method faces ongoing phase-out pressure from federal cost-saving initiatives.

State Supplemental Programs

While federal SSI provides the baseline $698 average payment, many states offer supplemental payments to help cover additional living costs.

These state supplements vary widely, with some states providing substantial additional support while others offer minimal or no supplementation.

California, New York, and several other states maintain robust supplemental programs that can significantly increase total monthly benefits beyond the federal average.

Recipients should contact their state social services agencies to understand available supplemental benefits in their area.

Planning and Financial Management

For individuals receiving the $698 average payment, careful financial planning becomes essential given the limited nature of these benefits. Recipients should prioritize essential expenses including housing, food, medical care, and utilities.

Many SSI recipients qualify for additional support programs including Medicaid health coverage, Supplemental Nutrition Assistance Program (SNAP) benefits, and housing assistance. These complementary programs can effectively stretch the purchasing power of the monthly payment.

Addressing Payment Delays and Issues

If expected payments don’t arrive on scheduled dates, recipients should first verify their banking information and contact their financial institution to confirm no deposit processing delays occurred. If payments remain missing after 24-48 hours, contacting the SSA directly becomes necessary.

The agency maintains dedicated phone lines for benefit inquiries and can quickly identify payment processing issues or account problems that might delay benefit delivery.

$698 Direct Deposit Payments of June 2025

The $698 average payment amount for 2025 reflects current economic conditions and COLA calculations. Future adjustments depend on inflation trends and federal budget decisions that influence benefit programs.

Recipients should stay informed about potential legislative changes affecting SSI and related programs, as policy modifications can impact both payment amounts and eligibility requirements. The SSA provides regular updates through official communications and the my Social Security portal.

Understanding these payment schedules, amounts, and requirements helps beneficiaries plan effectively while ensuring they receive the full benefits to which they’re entitled under federal law.