June 2026 Social Security Checks + Major Benefits Warning

Added: 2026-05-20

[00:00:00]If you're expecting a social security check in June, we have the exact calendar dates you need to mark down.

[00:00:06]But honestly, the dates aren't even the most important news that you need to hear today. There are massive shifts happening behind the scenes at the Social Security Administration right now, including a quiet proposal that could cut benefits for nearly 400,000 people. And we're starting to see a lot of confusing headlines about that. We're going to go over all of what that means for you today. But before we dive into those details, let's fasttrack that calendar so that we can get it out of the way and get to that breaking news. I know when you're relying on Social Security, it's really important to know when that money is coming in. So, we know that June 1st is the payment date for those of you who receive Supplemental Security Income or SSI. You may also get a payment on June 3 if you receive SSI and Social Security or if you were receiving Social Security benefits before May of 1997.

[00:01:00]Everyone else is on that Wednesday payment schedule. So that'll be June 10th for birthdays falling between the 1st and the 10th, June 17th for birthdays falling between the 11th and the 20th, and June 24th for those with birthdays between the 21st and the 31st.

[00:01:16]Now, of course, we get these dates straight from the Social Security Administration, but they do ask that you wait three full business days before contacting them if a payment does not arrive on the expected date. Now, I know that that is incredibly stressful, and if that happens to you, we have another video that you can watch on what you can do to kind of troubleshoot that if your payment doesn't come out on time, but hopefully there won't be any issues. We certainly don't anticipate any payment delays. Now, like I said, we do have a lot of news to cover today. Some of it is great. Some of it is honestly kind of awful for those of you who rely on certain programs, especially SNAP or SSI. But I hate giving you guys bad news. So, I want to get through the good news first so that this isn't just a big negativity roundup. So, first up, the Social Security Administration is making it a lot easier for you to plan your retirement. On May 12th, they launched a brand new upgrade to the My Social Security online portal. They completely redesigned that retirement calculator and added a sidebyside bar graph that compares up to three different benefit estimates at the same time. So, if you haven't claimed your benefits yet, or if you know someone who hasn't and you're trying to decide what the ideal age is for you, this new visual tool does make that math incredibly clear and a lot easier to understand. So, you can go log into your My Social Security portal to check that out. Now, we also know that the Social Security Administration just celebrated a one-year milestone under their new leadership, and they are praising themselves for all sorts of improvements. Now, if you've tried calling that 800 number, you know, in the last couple of years, you know that those weight times averaged a brutal 42 minutes. In some cases, we were hearing for from people who waited 5 hours or more. The Social Security Administration is now gloating that they have got that down to just 6.6 minutes. But I know a lot of you in our community have complained that it's a lot harder to get a real human on the phone now because of all those new AI systems. And honestly, I want you to know that you're not crazy. That makes complete sense because advocacy groups like NCPSSM have said that they count the calls answered by AI as answered and therefore those are not counted in those weight times. So, they are still calling this a win. Hopefully, it's been helpful to you guys as well. I would love to hear about your actual experiences in the comments since I don't call the Social Security Administration that often. Now, of course, they are also highlighting that they've processed over 17 billion in retroactive payments to more than 3 million retirees under the Fairness Act.

[00:03:52]All of those checks were cut last year, but this was part of the Social Security one-year highlight reel that they put out. They did get that done way ahead of schedule, although we did recently note that there were some issues that caused people to receive far less than expected. So, if you were included in this group of retirees and your amount that you received didn't match your expectations, I would encourage you to go check out our recent video on that.

[00:04:18]And now, with that, let's go ahead and dive into the really tough news today.

[00:04:23]So, a major investigation by ProPublica just revealed that the White House is still pressing forward with their rule proposal that could strip or slash benefits for up to 400,000 disabled adults and lowincome seniors on SSI.

[00:04:40]Now, I know we've talked about this a couple of times here on this channel. We actually have a whole dedicated video to it that I'll link to in just a minute, but I wanted to bring this to your attention again because ProPublica is talking about it. nj.com is talking about it and their headlines are really, really scary. For example, the NJ.com headline says, "Social Security's proposed rule change could cut benefits for nearly 400,000 disabled people." And then it goes into explaining it. And when I first read that, I thought, "Oh crap, there's another one cuz we've seen a couple of proposals lately that have been labeled this way." They are still talking about that one that was made last year, but if you haven't heard about it, it is a doozy and you really need to pay close attention to this. So, what's going on is they want to change the rules about what counts as a public assistance household so that they can indirectly change the rules about inind support and maintenance. And I know those things sound really, really technical. I think sometimes when we see these more technical changes, it's because if they describe the consequences, a lot more people would pay attention. Whereas if they describe it in these technical terms, a lot of us tune out because it's just kind of boring. You know, it sounds really complicated. But here's what you need to know. This could be a nightmare for you if you are lowincome, disabled, or elderly and live with family members.

[00:06:00]So, if you live with family and you can't afford to pay your full fair share of the rent, the Social Security Administration decides that your family is giving you an unearned gift. And because of that, they penalize you by automatically cutting your monthly SSI check by up to onethird. This year, that is a loss of $331 a month. That is a hefty cut. This year in 2026, that means you could lose up to $331 a month, which is a lot. And that of course is called inind support and maintenance. That is the rule that causes that cut. But just recently a massive protection was put in place. The social security administration expanded what they call the public assistance household rule.

[00:06:43]Basically, they said that if a disabled adult lives with family and at least one other person in that house qualifies for SNAP food benefits, then the government officially recognizes that the entire household is low income. And because the whole family is clearly struggling, the Social Security Administration stops tracking that inind support and maintenance, they don't penalize you for having a room there and you get your full maximum SSI check even though you're living with family members. This cuts out a lot of paperwork and it has protected 400,000 people from those inind support and maintenance cuts. Now, this new proposal that they've made wants to completely destroy that protection. If this rule is enacted, it doesn't matter if your family is poor enough to qualify for SNAP anymore. The Social Security Administration will go right back to treating an adult child with Down syndrome or severe autism or an elderly parent living with their kids as if they have a wealthy benefactor.

[00:07:47]The government will basically calculate the cash value of your bedroom every single month. And if you can't prove that you're paying your fair market rent, then your check could get slashed by that $331 we talked about. And you could be buried in monthly paperwork that tracks the family's bills and bank accounts and payubs and all of the things. Now, obviously, this could be a disaster for hundreds of thousands of people who could be affected. And honestly, this is the part that really bothers me. It really doesn't do any favors for taxpayers either. ProPublica found that the SSI program distributes just 5% of all Social Security Administration benefits, but accounts for nearly 35% of the AY's administrative budget, meaning it costs a lot more to administer that program than it costs to run it, at least proportionally. Now, month after month, staffers have to pour over microscopic changes to the SSI beneficiaries living arrangements and family members incomes and assets and all of this stuff. And on top of that, it ends up cutting benefits for those who live with family members. And it saves very little compared to the potential cost of those changes. For example, the ProPublica report found that in one instance, cutting this person's benefits would save taxpayers about $11 a day, but it could cost them many hundreds of dollars a day or more if that person had to move into a residential facility because their family members were no longer able to help them. So, it doesn't even really make a lot of sense some of these changes. Now, of course, the silver lining here is that nothing has changed today. This is still a draft proposal.

[00:09:30]It's still under review. Before it could go into effect, it would have to go through a public comment period, which gives us all a chance to provide feedback. So, the best thing you can do right now is stay informed. Wait for that public comment period. When it happens, submit a comment and make sure that you're sharing this information so that anyone who receives SSI is aware of what's going on. And if you want to dive into this particular proposal in greater detail, we do have another video that goes through all of those changes that we made when this rule was initially proposed. But like I said, it's starting to get a lot more attention even though we haven't seen really any movement. We haven't seen a proposed final rule. We haven't seen the comment period open up yet. ProPublica said it could still be a year before that happens. But either way, we will be watching and waiting on this one because this is a really significant change that could hurt a lot of people. So, go check out that other video for more details if you want to follow that in greater depth. Otherwise, we will be back tomorrow with more ways that you can save money and get help with the programs that you rely on the most. I'll see you there.