The Social Security Administration (SSA) has announced its July 2025 payment schedule, outlining when beneficiaries can expect their monthly checks. For millions of retirees, Social Security is a primary source of income, and understanding when payments are made is crucial for managing finances.
Social Security payments are generally paid on Wednesdays of each month, but the specific day depends on the beneficiary’s birth date.
This article will break down the payment schedule, who is affected by different dates, and how the SSA handles exceptions for certain beneficiaries.
Social Security Payment Schedule for July 2025
Social Security payments are divided by date, with most beneficiaries receiving payments on one of three specific Wednesdays each month. The payment schedule for July 2025 is as follows:
Wednesday, July 9: Beneficiaries born between the 1st and 10th of the month.
Wednesday, July 16: Beneficiaries born between the 11th and 20th of the month.
Wednesday, July 23: Beneficiaries born between the 21st and 31st of the month.
Special Cases: Who Gets Paid on Different Dates?
Not all Social Security beneficiaries receive their payments on the usual Wednesday schedule. Here are a few exceptions:
- Survivor Benefits: Beneficiaries receiving survivor benefits or claiming the retirement of a deceased spouse will receive their payments based on the deceased person’s date of birth.
- Retirees, SSDI, and Survivor Beneficiaries Before May 1997: Beneficiaries who started receiving benefits before May 1997 will receive their checks on the third Wednesday of each month, regardless of their own birth date. For July 2025, these beneficiaries received their payment on Thursday, July 3.
- Holiday or Weekend Adjustments: If the scheduled payment day falls on a holiday or weekend, Social Security payments are advanced to the first business day. For example, August 3 falls on a Sunday in 2025, so the payment will be made Friday, August 1.
Supplemental Security Income (SSI) Payment Schedule
In addition to regular Social Security benefits, Supplemental Security Income (SSI) is paid to individuals with low income and resources. SSI beneficiaries receive their payments on the 1st of each month. If the 1st falls on a weekend or holiday, the payment is made on the preceding business day.
Dual Recipients: SSI + Social Security
Beneficiaries who receive both SSI and another Social Security benefit will have two different payment dates. They will receive:
SSI payment on the 1st of each month.
Other Social Security benefit payment on the 3rd of each month.
How Much Do Social Security Beneficiaries Receive?
The amount each beneficiary receives depends on their specific eligibility and the type of benefit they are entitled to. Here are the average figures for different categories of beneficiaries:
Average retirement benefit: $2,002.02 per month.
Maximum retirement benefit: $5,108 per month.
SSDI (Social Security Disability Insurance) beneficiaries: $1,582.08 per month.
SSI beneficiaries: $717.75 per month.
Survivors Insurance beneficiaries: $1,571.30 per month.
It’s important to note that these amounts are averages and can vary based on an individual’s work history, earnings, and eligibility. Beneficiaries can check the exact amount they are entitled to by visiting the official SSA website, calling the SSA, or visiting an SSA office in person.
Understanding when Social Security payments are made and how they are calculated is essential for managing your finances. The SSA provides a structured payment schedule, with exceptions based on specific beneficiary circumstances.
For those receiving retirement, SSDI, survivor, or SSI benefits, keeping track of your payment date will help you plan accordingly and ensure you’re receiving the full benefits you’re entitled to. For more information on your specific benefits, always refer to the official SSA website or contact an SSA representative.
