July 2025 Social Security Payment Schedule: What Beneficiaries Need to Know
Millions of Americans who rely on Social Security and SSI benefits are preparing for July’s round of payments.
With several key dates spread throughout the month, it’s essential for retirees, disabled workers, and low-income recipients to know exactly when their Social Security check is coming—and why some people will see a second deposit in August.
July 2025 Social Security Payment Dates Breakdown
Here’s the full schedule of payments from the Social Security Administration for July 2025:
✅ SSI (Supplemental Security Income)
- Payment Date: Tuesday, July 1
- Applies to low-income seniors and disabled individuals enrolled in SSI.
✅ Social Security Benefits (Retirement, Disability, Survivor)
Your payment date is determined by your birth date and when you first began receiving benefits.
- Wednesday, July 3
- For those who began receiving Social Security before May 1997
- Also applies to people who receive both SSI and Social Security
- Wednesday, July 9
- For people with birthdays falling between the 1st and 10th of any month
- Wednesday, July 16
- For those with birthdays between the 11th and 20th
- Wednesday, July 23
- For those born between the 21st and 31st
This staggered system helps the SSA manage payouts and banking systems more efficiently.
Looking Ahead: Why Some Will Get Two Checks in August
Here’s something important to keep in mind: August will bring two SSI payments for many recipients.
- Friday, August 1: Regular August SSI payment
- Friday, August 29: Early September SSI payment (since September 1 falls on a weekend)
This shift happens several times a year when the 1st lands on a weekend or holiday, and it often causes confusion—so mark your calendar now.
How Much Will You Receive?
With the 2025 cost-of-living adjustment (COLA) at 2.5%, most Social Security recipients are receiving:
- Average retirement benefit: Around $2,002
- Maximum possible benefit: Up to $5,108 for high earners retiring at full age
Your exact benefit depends on work history, age of retirement, and other qualifying factors.
What to Do If Your Payment Is Missing
If your expected deposit hasn’t arrived:
- Wait at least 3 business days before contacting SSA
- Check your bank account activity and mailbox if you get paper checks
- Then call 1-800-772-1213 for assistance
Late payments can occasionally happen due to bank errors or holidays, so stay patient—but proactive.
Quick Reference Calendar
| Benefit Type | Payment Date |
|---|---|
| SSI | July 1 (Tuesday) |
| Social Security (Pre-May 1997) | July 3 (Thursday) |
| Birthdays 1–10 | July 9 (Wednesday) |
| Birthdays 11–20 | July 16 (Wednesday) |
| Birthdays 21–31 | July 23 (Wednesday) |
Final Tips
- Enroll in direct deposit to avoid mail delays
- Set up bank alerts to know exactly when funds hit your account
- Prepare for double SSI payments in August—and no check on September 1
This July, stay informed, mark your calendar, and make sure you’re ready for your next Social Security or SSI deposit.
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.
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