Social Security payments are a big help for millions of Americans. Whether you’re retired, disabled, or receiving survivor benefits, knowing when your money will arrive is important.
July has a few key dates to keep in mind, especially with some changes in the payment schedule and rules this month. Here’s a quick and simple guide to what’s happening with Social Security and SSI payments in July 2025.
Who Got Paid on July 3rd?
The first payments of the month went out on Thursday, July 3rd. These were for two groups:
People who started receiving Social Security retirement, disability, or survivor benefits (also known as RSDI) before May 1997. If you’re in this group, you probably saw your money hit your bank account on that day.
Supplemental Security Income (SSI) recipients also received their checks on July 3rd. Normally, SSI payments go out on the 1st of each month. But this time, the schedule was adjusted to match up with the regular Social Security payments. Even though July 1st was a Tuesday, payments were delayed slightly for smoother processing.
Who Gets Paid Next – July Payment Schedule
If you didn’t get your payment yet, don’t worry. The rest of the payments are scheduled based on your birth date. Here’s how it breaks down:
If your birthday falls between the 1st and 10th, your payment will come on Wednesday, July 9th.
If your birthday is between the 11th and 20th, your payment will arrive on Wednesday, July 16th.
If your birthday is between the 21st and 31st, your money will come on Wednesday, July 23rd.
This system helps Social Security manage the massive number of payments sent out each month – around 70 million in total.
What’s New With Social Security in July 2025?
There are a couple of changes this month that you should know about.
COLA Increase Still in Effect: Earlier this year in January, Social Security checks got a boost thanks to a 2.5% cost-of-living adjustment (COLA). This means most people are getting about $50 more each month. The average monthly check is now around $1,976, while the maximum amount is $5,108.
New Repayment Rule for Overpayments: Starting this month, Social Security has a new rule for people who were overpaid in the past. Now, the government can take up to half of your current monthly check to recover the extra money.
In some cases, they might even withhold the entire check. There are hardship exceptions, but you’ll need to apply and prove your situation.
What to Do If Your Payment Is Late
Waiting for your payment? Here’s what to do:
First, wait three full business days after your payment date before taking any action.
Check your mySocialSecurity account to make sure all your personal details are correct.
If everything looks fine, call your bank to ask if there’s a delay on their side.
Still no luck? Then call the Social Security Administration at 1-800-772-1213 or visit your local office. Be patient, though – wait times are often long, especially around payment dates.
Upcoming Payment Dates in July 2025
Here’s a quick summary of who gets paid when this month:
July 3rd – People who got benefits before May 1997 and SSI recipients
July 9th – Birthdays between 1st and 10th
July 16th – Birthdays between 11th and 20th
July 23rd – Birthdays between 21st and 31st
A Quick Look Ahead to August
In August, SSI recipients will get two payments – one on August 1st and another on August 29th. Why the double payment? Because in September, the 1st falls on a Sunday, and payments can’t be sent on weekends.