62-Year-Olds Could Receive $2,831 in Social Security Payments This June If They Meet These Key Conditions

In the United States, individuals become eligible to claim Social Security retirement benefits beginning at age 62. However, filing at this age results in a reduced monthly payment compared to waiting until your Full Retirement Age (FRA).

As of December 2024, the average monthly benefit for 62-year-old retirees is $1,341.61. Men receive an average of $1,485.76, while women typically receive around $1,207.03.

How Some 62-Year-Olds Can Receive Up to $2,831 Monthly

Although most retirees collect modest sums, some 62-year-olds can receive a Social Security payment of up to $2,831. To qualify for this higher amount, individuals must have:

Worked for 35 years in SSA-covered jobs
Consistently earned the maximum taxable income
Filed for early retirement benefits at age 62

This amount represents the highest possible benefit at 62. However, if these same individuals delayed retirement until their Full Retirement Age, their benefit could rise to $4,018 per month.

June 2025 Social Security Payment Schedule for 62-Year-Olds

To be eligible for the $2,831 Social Security payment in June, recipients must meet certain criteria based on birth dates and payment schedules. Here’s when retirees will receive their benefits in June 2025:

Payment Date	Birth Date Range
June 11, 2025	Born between 1st–10th
June 18, 2025	Born between 11th–20th
June 25, 2025	Born between 21st–31st

Keep in mind that June 3rd is reserved for individuals on SSI or those who started collecting Social Security before May 1997, making it unlikely for any 62-year-old new claimants to receive payment on this date.

Key Requirements to Receive the Maximum Benefit at 62

If you’re aiming to collect the highest possible Social Security benefit at 62, these are the steps and requirements:

File for retirement benefits at age 62
Have a long work history (35 years) with SSA-covered jobs
Earn the annual taxable maximum income throughout those 35 years
Ensure all payroll taxes were properly reported to SSA

What to Do If Your Social Security Check Is Late

While Social Security payments are generally on time, minor delays can occur, often due to bank processing issues. If your payment hasn’t arrived:

Wait up to 3 mailing days before reporting it as missing.
Contact your bank or financial institution to check for delays.
If unresolved, reach out to the Social Security Administration (SSA).

Also, ensure your mailing address and direct deposit details are up to date. If you’ve moved or changed banks recently, notify SSA as soon as possible.

Can You Still Work While Receiving Social Security at 62?

Yes, you can work while receiving benefits at 62. However, your Social Security payment might be reduced if your income exceeds the earnings limit set by SSA.

It’s wise to log in and review your SSA online Statement to:

Check retirement or SSDI eligibility
View estimated benefit amounts by age
Determine if your family qualifies for survivor benefits

Starting Social Security at 62 offers early access to retirement income, but at a reduced rate. However, if you meet specific criteria—like earning the maximum taxable income for 35 years—you could qualify for a benefit as high as $2,831 per month even at this early age.

Stay informed of your payment schedule, keep your information updated, and monitor your SSA account to avoid any delays or surprises.

FAQs

Is it common to receive $2,831 in Social Security at age 62?

No, this amount is only attainable if you’ve earned the maximum taxable income for 35 years in SSA-covered employment and file at 62.

What happens if I delay my Social Security claim until Full Retirement Age?

If you wait until your Full Retirement Age (FRA), your monthly benefit could rise to $4,018, depending on your work history.

What should I do if I didn’t receive my Social Security payment on time?

Wait up to 3 business days, contact your bank, and if still unresolved, report the issue to the SSA.