Millions of Americans are looking forward to their next Social Security payments in July. These payments are especially important for retirees, people with disabilities, and survivor beneficiaries who rely on them for daily expenses. With the rising cost of living, these payments are crucial for many.
The Social Security Administration (SSA) has a set schedule for when payments are distributed, ensuring that the process is smooth and predictable. If you’re one of the recipients waiting for your payment, here’s everything you need to know about the July 2025 payments.
How Much Money Can You Receive from Social Security?
The amount of money you receive depends on several factors, including your work history and the type of benefits you’re eligible for. Here are the average monthly benefits according to the SSA:
Retired workers: The average monthly benefit is $1,907.
Disabled workers (SSDI): The average monthly benefit is $1,537.
Couples who both receive benefits: They can receive around $3,303 combined.
Maximum benefit at full retirement age (67): The maximum benefit is $3,822.
Maximum benefit at age 70: The maximum benefit can be as high as $5,108.
Who Will Receive the Social Security Payment on July 23?
The SSA uses a staggered payment system, distributing payments based on the beneficiary’s birth date. If you’re waiting for your Social Security payment, here’s when it will arrive:
July 9: Beneficiaries born between the 1st and 10th of the month.
July 16: Beneficiaries born between the 11th and 20th.
July 23: Beneficiaries born between the 21st and 31st.
How to Check the Status of Your Social Security Payment
It’s important to know how to track the status of your payment. Here’s what you can do:
Visit the My Social Security portal: Log in to the portal to check the status of your payment.
Check your bank account: If you receive payments through direct deposit, your funds should arrive in your bank account on or around the payment date.
Contact your bank: If there’s a delay in receiving your payment, get in touch with your bank to find out more.
Contact the SSA: If the payment still hasn’t appeared after three business days, you can call the SSA at 1-800-772-1213 to inquire further.
What’s Next After July 23?
After the final wave of payments in July, the SSA will continue distributing payments for the next month:
SSI recipients will receive their payments on August 1.
Social Security retirement and disability beneficiaries will receive payments on August 14, 21, and 28, depending on their date of birth.
The Social Security payments in July 2025 are an essential source of income for millions of Americans. With the staggered distribution system, it’s easy to know when to expect your payment.
Make sure to check your bank account or visit the My Social Security portal to track the status of your payment. If you don’t receive it on time, follow the steps provided to get in touch with the SSA for assistance.
