With July just days away, millions of Americans are preparing for their next Social Security or Supplemental Security Income (SSI) payment. Here’s a breakdown of when benefits arrive, how much recipients can expect in 2025, and how the calendar may affect your check.
When will Social Security checks arrive in July 2025?
The Social Security Administration (SSA) pays benefits on a staggered schedule based on birth dates. For July 2025, payments will be issued on:
- Wednesday, July 9: If your birthday falls between the 1st and 10th
- Wednesday, July 16: If your birthday is between the 11th and 20th
- Wednesday, July 23: If your birthday is between the 21st and 31st
If you started receiving benefits before May 1997, or receive both SSI and Social Security, your payment will arrive on:
- Thursday, July 3
When will SSI payments be made?
SSI benefits are paid on the first of each month unless that day falls on a weekend or holiday. Since July 1, 2025 is a Tuesday, payments will be issued as usual on that date.
May and June saw some irregularities due to the calendar—June SSI payments were issued on May 30—but July will have no such overlap.
How much will recipients get?
Thanks to the 2.5% cost-of-living adjustment (COLA) issued in January 2025, benefit amounts for July remain as follows:
- SSI maximum for individuals: $967
- SSI maximum for couples: $1,450
- Average Social Security retirement benefit: $1,976
- Maximum retirement benefit at full retirement age (67): $4,018
- Maximum benefit at age 70: $5,108
These amounts vary depending on your work history, age at claim, and eligibility for other programs.
Who gets paid early?
If you receive both SSI and Social Security, or if you live abroad, you’ll get your check on Thursday, July 3, regardless of your birthdate. This applies to a limited number of beneficiaries.
What to do if your payment is delayed
If your payment doesn’t arrive on time:
- Wait three mailing days past the scheduled date before contacting SSA.
- Make sure your direct deposit info is up to date—electronic payments are required unless you qualify for an exemption.
- Call the SSA at 1-800-772-1213 (TTY: 1-800-325-0778) or visit your local office.
Why it matters
With inflation still affecting daily costs, knowing exactly when and how much you’ll be paid is critical for budgeting. In July, there are no calendar overlaps or skipped months, so payments are expected to be issued without interruption.
Also, the SSA is undergoing major updates tied to the Social Security Fairness Act, and ongoing staffing issues may affect future distributions.
July 2025 payment schedule at a glance
| Benefit Type | Payment Date |
|---|---|
| SSI | Tuesday, July 1 |
| Early retirees/SSI+SSA/abroad | Thursday, July 3 |
| Birthday 1–10 | Wednesday, July 9 |
| Birthday 11–20 | Wednesday, July 16 |
| Birthday 21–31 | Wednesday, July 23 |
Key takeaways
- Social Security payments are set for July 9, 16, and 23 based on birthdate.
- SSI will be paid July 1 with no delays.
- Early recipients and special cases will be paid July 3.
- Benefit amounts reflect the 2025 COLA, with the average check now $1,976.
More resources
- SSA Payment Schedule (2025 PDF)
- SSA: Estimate Your Benefits
- COLA Info from SSA
- NEWS: Social Security
- NEWS: SSI
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