Over 70 million people in the United States rely on Social Security every month. This includes retirees, people with disabilities (SSDI), survivors, veterans, and those receiving Supplemental Security Income (SSI). If you’re one of them, you’re probably asking the same question right now—when is my next payment coming in July?
The Social Security Administration (SSA) has officially released the July 2025 payment schedule, and it’s based on your benefit type and your date of birth. Here’s everything you need to know about payment dates, how much you might receive, and what’s new this year.
Table of Contents
Dates
In July 2025, Social Security payments will be issued on five different days. The exact date you get paid depends on a couple of key factors—when you started receiving benefits and your birth date.
Here’s the complete payment schedule:
| Date | Who Gets Paid |
|---|---|
| July 1 | SSI recipients |
| July 3 | People who started benefits before May 1997 or receive both SSI and Social Security |
| July 10 | Beneficiaries born between the 1st–10th |
| July 17 | Beneficiaries born between the 11th–20th |
| July 24 | Beneficiaries born between the 21st–31st |
So, if your birthday falls on the 8th of any month, for example, you’ll receive your July Social Security payment on July 10. If you’re getting both SSI and retirement or disability payments, look out for your money on July 3.
COLA
July 2025’s payments come with a 2.8% cost-of-living adjustment (COLA) compared to last year. This increase was set to help keep up with inflation and the rising cost of everyday essentials like groceries, housing, and healthcare.
Here’s how the new maximum monthly benefit looks in 2025:
| Benefit Type | Maximum Monthly Payment |
|---|---|
| Retired Worker | $5,108 |
| SSI Recipient | Varies by income/resources |
| SSDI Beneficiary | Based on earnings history |
Remember, most people receive less than the maximum, as payments are based on how much you earned during your working years and the age at which you claimed benefits.
Details
Let’s break down who gets paid when:
July 1 – This date is for people who only receive SSI. These are often low-income individuals who meet specific financial and disability criteria.
July 3 – This one’s for folks who began getting Social Security before May 1997, or for those who receive both SSI and another benefit like retirement or SSDI. You’re paid earlier to avoid confusion and ensure smoother processing.
July 10, 17, and 24 – If you only receive Social Security (retirement or disability) and you started receiving it after May 1997, your payment depends on your birthday. SSA uses the day of the month you were born to determine your deposit date.
Reminder
- Payments are usually made via direct deposit or added to a Direct Express® debit card.
- If your payment doesn’t show up on time, SSA recommends waiting three mailing days before contacting them.
- Make sure your banking and address information is updated to avoid delays.
What’s Next?
The SSA’s payment system is designed to provide predictable support to beneficiaries. With this five-date payment cycle, you can plan your finances around when your benefits are due to arrive.
And with the 2.8% COLA already factored in, your July check should be slightly higher than it was a year ago. While it might not cover everything, it’s a helpful boost to keep up with the rising cost of living.
FAQs
When will I get my Social Security in July?
Check your birth date or benefit type to find your payment date.
What is the July 2025 COLA increase?
A 2.8% cost-of-living adjustment applies to all payments.
What’s the max Social Security benefit in July 2025?
The maximum benefit is $5,108 per month for retirees.
Why do I get paid on July 3?
You started benefits before May 1997 or receive both SSI and Social Security.
When do SSI-only recipients get paid?
SSI recipients are paid on July 1, 2025.
