The Social Security Administration (SSA) is set to issue the second round of July 2025 Social Security payments on Wednesday, July 16—and millions of retirees, survivors, and disability beneficiaries are checking their bank accounts for a direct deposit or mailed check.
Here’s everything you need to know about who qualifies, how much to expect, and what’s still to come this month.
Who’s Getting Paid on Wednesday, July 16?
This round of payments is designated for beneficiaries born between the 11th and 20th of any month who are enrolled in Social Security retirement, survivor, or disability benefits (SSDI) and began receiving benefits after May 1997. That date is key—those who started receiving benefits before May 1997 were already paid on July 3.
Still Waiting? You Might Be in the July 23 Group
If your birthday falls between the 21st and 31st, your July Social Security payment is scheduled to arrive on Wednesday, July 23. This tiered payment system helps spread out the distribution and avoid system-wide delays.
How Much Is the Average July 2025 Social Security Payment?
The average check amount this month depends on the type of benefit and your personal earnings history. Here’s a breakdown:
- Retired workers: $1,907
- Disabled workers (SSDI): $1,537
- Survivor benefits (widows/widowers): $1,505
- Couples (both receiving benefits): $3,303
- Maximum benefit for those retiring at 70: $5,108
These figures include the 3.2% Cost-of-Living Adjustment (COLA) that went into effect in January 2025. However, inflation remains a concern, and many beneficiaries say the bump barely offsets higher prices on essentials like rent, groceries, and medication.
Important Social Security Payment Dates – July 2025
| Payment Date | Who Gets Paid |
|---|---|
| July 3 | Pre-May 1997 beneficiaries |
| July 10 | Birthdays on 1st–10th (post-May 1997 recipients) |
| July 17 | Birthdays on 11th–20th (post-May 1997) |
| July 24 | Birthdays on 21st–31st (post-May 1997) |
How to Check Your July Social Security Payment Status
If you haven’t received your payment yet and think you should have, here’s what you can do:
- Check your “My Social Security” account at ssa.gov for your payment status.
- Verify your bank account for direct deposit timing.
- Allow 3 business days past your expected payment date before contacting SSA.
- Call the SSA at 1-800-772-1213 if your check is late.
What About SSI Payments?
July’s Supplemental Security Income (SSI) payments were already distributed on July 1. SSI benefits follow a different schedule from regular Social Security and are generally sent on the first of each month—unless it falls on a weekend or holiday.
Key Reminders for Social Security Beneficiaries
- Keep your direct deposit information updated to avoid delays.
- Watch for mail delays if you receive paper checks.
- Report suspicious activity to the SSA if you suspect fraud or identity theft involving your benefits.
What to Expect Moving Forward
As we move through the summer, many seniors are already thinking ahead to the 2026 COLA announcement, which is expected this fall.
Experts predict a smaller increase next year due to moderating inflation, though that could change based on the Consumer Price Index (CPI) data through September.
For now, the SSA’s tiered payment system continues as scheduled. If your birthday is between July 11 and 20, your payment is on the way July 16.
Stay tuned for updates on COLA projections, payment changes, and Social Security policy developments as the year progresses.
Stay informed and plan ahead. Social Security remains a lifeline for over 71 million Americans — knowing your payment dates and any upcoming changes is key to staying financially secure.
If you’re unsure about your benefits or need personalized guidance, visit SSA.gov or call 1-800-772-1213.
📌 RELATED READS:
- How Much Social Security Will You Get in 2026? COLA Predictions & More
- How to Enroll in Social Security Benefits: A Step-by-Step Guide
- “Big, Beautiful Bill” Delivers Social Security Tax Break — But There’s a Catch
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