The Social Security payment schedule for July 2025 is in motion, and millions of people across the United States are eagerly waiting for their next payment. The next big date to remember is Wednesday, July 16, 2025.
If you receive Social Security retirement, disability (SSDI), or Supplemental Security Income (SSI) benefits, it’s important to know if your payment is coming on this day.
Here’s everything you need to know about the upcoming payment and how the dates are determined.
Who Will Receive Payments on July 16?
Wednesday, July 16, 2025 is when the second group of Social Security beneficiaries will receive their payment. This group includes people who:
Receive Social Security benefits (retirement, disability, survivors, etc.)
Were born between the 11th and 20th of any month
Began receiving payments after May 1997
If this sounds like you, your payment will be deposited into your bank account or loaded onto your Direct Express card on July 16. Make sure you check your account for the payment.
How Is the SSI Payment Schedule Organized?
Social Security payments are made according to the date of birth of the beneficiary. Here’s how the payment schedule is divided:
Second Wednesday of the month: For those born between the 1st and 10th.
Third Wednesday of the month: For those born between the 11th and 20th (like this July 16).
Fourth Wednesday of the month: For those born between the 21st and 31st.
If you started receiving benefits before May 1997, or if you receive SSI, your payment may come either on the 1st of the month or the first Wednesday of the month, depending on the type of benefit.
What If You Don’t Receive Your Payment?
If you are expecting your payment on July 16, but it doesn’t show up in your account on that day, don’t panic. The Social Security Administration (SSA) recommends waiting at least three business days before taking action. If the payment still hasn’t arrived, here’s what you can do:
Contact your bank or financial institution to see if there was a problem with the deposit.
Call the SSA at 1-800-772-1213 (TTY 1-800-325-0778).
Check your online account at ssa.gov/myaccount to see the payment status.
How Much Will You Receive?
The amount of your Social Security payment depends on the type of benefits you receive and your work history. In 2025, the average monthly payment for retirees is about $1,900, while SSDI beneficiaries receive an average of $1,500. These amounts may be higher or lower depending on your individual case.
In addition, a 3.2% cost-of-living adjustment (COLA) was applied in January 2025, which slightly increased monthly payments for all beneficiaries.
How to Stay Prepared
To avoid surprises and make sure everything goes smoothly, here are a few tips:
Check the official payment schedule at ssa.gov.
Keep your bank account and contact information updated.
Create an online account at the SSA portal to monitor your benefits.
The next Social Security payment is scheduled for Wednesday, July 16, 2025. If you were born between the 11th and 20th of any month and began receiving benefits after May 1997, your payment is included. Be sure to check your bank account on that day and stay informed to avoid any issues.
