More than 70 million Americans receive financial assistance and benefits through the Social Security Administration (SSA).
Due to the high volume of recipients, payments are distributed on varying dates depending on the type of benefits and the recipient’s birth date.
Let’s take a closer look at the Social Security payment schedule for July 2025 and what you need to know.
Different Payment Schedules Based on Benefits
Not all recipients receive their payments on the same day each month. Retirement, spousal, survivor, and Supplemental Security Income (SSI) benefits follow distinct schedules.
For instance, individuals who began receiving retirement benefits before May 1997, or those receiving SSI, have a unique timetable.
SSI is a federal assistance program aimed at providing monthly support to individuals who are either disabled, blind, or over 65 years old.
July 2025 Payment Dates
The payment distribution for July 2025 is as follows:
1st July: SSI Payments
SSI payments will be issued on Tuesday, July 1st, for those who qualify.
3rd July: Retirement Benefits for Specific Recipients
On Thursday, July 3rd, individuals who have been receiving retirement benefits since before May 1997, as well as retirees receiving SSI, will receive their payments.
9th July: Payments for Birth Dates Between 1st and 10th
If you were born between the 1st and 10th of any month, your retirement, spousal, or survivor benefits will be issued on Wednesday, July 9th.
16th July: Payments for Birth Dates Between 11th and 20th
Those born between the 11th and 20th will receive their benefits on Wednesday, July 16th.
23rd July: Payments for Birth Dates Between 21st and 31st
Lastly, individuals born between the 21st and 31st of the month will receive their benefits on Wednesday, July 23rd.
Average Benefit Amounts
According to the Social Security Administration (SSA), the average monthly benefit for a retired worker in May 2025 was $2,002.39, marking the first time it has surpassed the $2,000 mark. On the other hand, SSI payments averaged $718.30 for the 7.4 million beneficiaries in May 2025.
Social Security benefits are calculated based on a worker’s highest 35 years of earnings, adjusted for inflation. Since wages tend to rise over time, each new group of retirees typically enjoys a higher average benefit.
Payment Variations
Though the average benefit amount is $2,002.39 for retired workers, individual payments can vary. The amount depends on the person’s highest 35 years of earnings, which are factored in to determine their monthly payment.
Missed Payments: What to Do
If you don’t receive your Social Security payment on the scheduled date, the SSA advises waiting at least three business days before contacting them. This buffer is to account for any delays before intervention is necessary.
Understanding the Social Security payment schedule for July 2025 ensures you can plan accordingly for your finances. Whether you are receiving retirement benefits, SSDI, or SSI, it’s important to know when your payments will arrive and how they are distributed.
Always monitor your payment dates and wait the recommended amount of time before reaching out to the SSA in case of delays.
FAQs
How are Social Security payments determined?
Social Security payments are based on a person’s highest 35 years of earnings, adjusted for inflation.
What should I do if I miss my Social Security payment?
If you do not receive your payment on time, the SSA advises waiting three business days before contacting them.
When will I receive my Social Security benefits if I was born on the 5th of the month?
If your birthdate falls between the 1st and 10th of any month, you will receive your retirement, spousal, or survivor benefits on July 9, 2025.