The clock is ticking, and for thousands of families relying on Social Security Disability Insurance (SSDI), the upcoming July Social Security payment schedule is crucial. With only a couple of days left, understanding how and when your payment will arrive is essential.
Whether you’re already budgeting carefully or just looking to know when your payment will hit your account, here’s everything you need to know.
SSDI Payments: When Will You Get Paid?
If you’ve been receiving SSDI benefits for a while, you’ll want to note the payment schedule carefully. The first group of people to receive their SSDI payment in July will get theirs on Thursday, July 3rd.
This group includes people who’ve been on SSDI since before May 1997 or those who also get federal SSI benefits, which assist the elderly or disabled with limited resources.
The timing of this first payment is strategic. The Social Security Administration (SSA) has set it just before the 4th of July so those eligible have the money they need for the holiday.
SSDI Payments Based on Birthdates
For individuals who started receiving SSDI after April 1997 and do not receive SSI benefits, the date of payment is based on your birthdate. Here’s the breakdown:
If your birthday is between the 1st and 10th of the month, expect your payment on Wednesday, July 9th.
If your birthday is between the 11th and 20th, look out for your payment on Wednesday, July 16th.
If your birthday is between the 21st and 31st, you’ll get paid on Wednesday, July 23rd.
These payments are staggered throughout the month, based on birthdate, and are typically made through direct deposit. If you don’t receive your payment within three business days of the due date, it’s important to contact the SSA at 1-800-772-1213.
How Much Will You Receive?
The amount you’ll receive depends on your work history, but for most SSDI recipients, it won’t be a huge amount. The maximum payment someone could receive in July is around $4,018, but this is reserved for people who’ve worked for 35 years or more and paid the maximum Social Security tax during that time.
For most others, the average SSDI payment in July will be around $1,581. This is a bit higher than last year, thanks to a 2.5% cost-of-living adjustment (COLA) made for inflation.
It’s important to remember that SSI recipients received their payment on July 1st. These payments are capped at $943 per individual and $1,450 for an eligible couple filing together. While the programs are related, they are separate, though some individuals may qualify for both.
What Happens If You Receive Both SSDI and SSI?
If you receive both SSDI and SSI, your payment will be issued on July 3rd, regardless of your birthday. So, if you are one of those individuals, make sure to check your account early Thursday morning.
Don’t Forget to Report Changes
It’s very important that you report any changes in your situation to the SSA. Whether you started working, got married, or experienced an improvement in your medical condition, failing to report such changes could result in the suspension of your benefits or even having to pay them back. Always stay updated and honest with the SSA to avoid unnecessary complications.
A Big Change Coming in 2025
Starting October 1, 2025, paper checks will no longer be an option for receiving SSDI payments. All payments will be made electronically, meaning you’ll need to have a bank account or a Social Security prepaid debit card. If you haven’t switched over to electronic payments yet, now is the time to do so.
As we move into July, be sure to mark your SSDI payment date based on your birthday. Keep an eye on your account in the morning, as payments usually appear early in the day. While the maximum payment is $4,018, most recipients will see a more typical amount closer to $1,500.
It’s not a fortune, but every bit helps. If you have any doubts, visit your “My Social Security” account on ssa.gov or call the SSA for clarification. When it comes to your benefits, it’s always best to be sure.
