The Social Security Administration (SSA) has confirmed the next Social Security payment date for Wednesday, July 16, 2025. This third-quarter payout covers beneficiaries born between the 11th and 20th of any month, assuming they became eligible after May 1997.
With millions relying on these benefits—be it retirement, disability (SSDI), or supplemental security income (SSI)—staying informed ensures your payment arrives on time.
July 2025 Social Security Payment Schedule
The SSA divides monthly payments based on birth dates. Here’s the July 2025 schedule:
| Birth Date Range | Payment Date | Eligible Recipients |
|---|---|---|
| 1st – 10th | July 9, 2025 | Retirement, SSDI, survivors; those born 1–10 and eligible post-May 1997 |
| 11th – 20th | July 16, 2025 | Retirement, SSDI, survivors; those born 11–20 and eligible post-May 1997 |
| 21st – 31st | July 23, 2025 | Retirement, SSDI, survivors; born 21–31 after May 1997 |
| Any date (SSI only) | July 1, 2025 | SSI recipients or those on both SSI and Social Security |
| Pre-May 1997 | July 3, 2025 | Early beneficiaries on legacy schedule, including combined SSI/SSDI recipients |
Payments are made via direct deposit or Direct Express debit card. If funds fail to arrive, beneficiaries should wait three business days before contacting the SSA.
2025 Cost-of-Living Adjustment (COLA)
The 2025 COLA was set at 2.5%, raising the average retirement benefit from about $1,927 to $1,976, and the average SSDI payment from $1,542 to $1,580.
Maximum monthly payouts also increased: full-retirement age retirees can now receive up to $4,018, while individuals delaying benefits until age 70 may receive up to $5,108 .
How Much You Could Receive in July 2025
Your payment depends on benefit type and personal history:
- Retirees average about $1,976 monthly.
- Disability recipients (SSDI) average about $1,580 monthly .
- SSI payments for individuals rise to $967, and couples to $1,450.
Your personal payment might differ based on your earnings history, claim timing, and spousal or dependent benefits.
What to Do If You Don’t Receive Your Payment
If your payment doesn’t appear on July 16, follow these steps:
- Wait three business days—bank processing can take time .
- Contact your bank or card issuer to check deposit status.
- Call SSA at 1‑800‑772‑1213 (TTY 1‑800‑325‑0778).
- Check “my Social Security” online to confirm your payment schedule and account details.
Why This Payment Date Matters
Understanding payment timing can:
- Help with budget planning, especially for seniors living on a tight monthly income.
- Prevent unnecessary stress when payments are delayed.
- Ensure you’re maximizing COLA benefits, which help maintain purchasing power against inflation.
With banking or address issues, timely awareness helps you resolve problems before they worsen.
The July 16, 2025 Social Security payment marks the third cycle of monthly distributions this year—based on your birthday and eligibility date.
Thanks to the 2.5% COLA, most recipients enjoy higher benefit amounts. With direct deposits sent mid-July, it’s critical to monitor your account and address any issues promptly.
Staying informed ensures this essential support reaches you without stress or delay.
FAQs
Am I eligible for the July 16 payment?
Yes—if you’re a Social Security beneficiary born between July 11–20 and became eligible after May 1997, your payment is scheduled for July 16, 2025
How do I track my Social Security payment?
Use your “my Social Security” account, call SSA, or check with your bank three business days after the payment date.
How did the 2025 COLA affect my benefit?
The 2.5% COLA raised average retirees’ payments by about $49 monthly, with increases reflected in July and subsequent payments.