Sam
In the United States, over 70 million individuals receive monthly financial assistance through the Social Security Administration (SSA).
Given the vast number of beneficiaries, not everyone receives their payments on the same day. The exact date for receiving payments is based on the type of benefit and the recipient’s birthdate.
Different Payment Schedules Based on Benefit Type
The payment schedule can differ depending on the type of Social Security benefits you receive.
For example, individuals who started receiving retirement, spousal, or survivor benefits before May 1997, or those who also receive Supplemental Security Income (SSI), follow a separate payment timeline.
SSI provides federal assistance to individuals aged 65 and older, as well as to those with disabilities or blindness, including both adults and children.
Whether you receive retirement benefits, disability benefits (SSDI), or SSI benefits, it’s essential to be aware of the specific payment dates for July 2025.
Social Security Payment Dates in July 2025
For July 2025, the SSA has confirmed the following payment schedule:
- Tuesday, July 1: SSI payments
- Thursday, July 3: Beneficiaries who started receiving benefits before May 1997, and those who also receive SSI
Average Social Security Payments: How Much Will You Receive?
According to SSA data, the average payment for a retired worker in 2025 is projected to be $2,002.39. This marks the first time that the average monthly payment has exceeded the $2,000 threshold. Meanwhile, SSI recipients typically receive an average of $718.30 per month, benefiting 7.4 million individuals.
It’s important to understand that the average benefit amount fluctuates monthly. The payment is determined by the worker’s 35 highest-earning years, which are adjusted for inflation. New retirees with higher earnings histories tend to increase the overall average.
In 2025, individuals retiring at full retirement age (67) can receive up to $4,018 monthly. For those who choose to retire earlier, at age 62, the maximum monthly benefit drops to $2,831. However, if retirement is delayed until age 70, the maximum monthly benefit could reach $5,108.
Note that these figures are averages, and the actual amount varies depending on an individual’s work history and earnings.
What to Do if Your Payment Is Missing
If your Social Security payment does not arrive as expected, the SSA advises waiting at least three business days before contacting their helpline. If there’s still no payment, it’s recommended that you contact your bank to ensure there are no issues with your account.
Understanding the Social Security payment schedule for July 2025 and the average benefit amounts can help ensure you receive your funds on time. If there are any delays, taking the proper steps, such as contacting the SSA or your bank, will help resolve any issues quickly.
FAQs
When will Social Security payments be distributed in July 2025?
Payments for SSI will be issued on July 1, while those for retirees and survivors who started benefits before May 1997, and those who also receive SSI, will be distributed on July 3.
How is my Social Security benefit amount calculated?
Your Social Security payment is based on your 35 highest-earning years, adjusted for inflation. New retirees with higher lifetime earnings will have higher average payments.
What should I do if I don’t receive my payment on time?
If your payment is delayed, wait three business days before contacting the SSA helpline. Also, verify your account details with your bank to ensure there are no issues.