Social Security retirement benefits and SSI payments are on the way, and millions of Americans are gearing up to receive them in July. While paper checks are still being sent, a new law is pushing for all payments to go digital. That means if you’re still getting paper checks, now’s the time to switch to direct deposit before it becomes mandatory.
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Direct Deposit
The U.S. government is transitioning away from paper checks, aiming to simplify the process and speed up payments. If you’re one of the few still receiving a check in the mail, it’s time to act. Set up direct deposit through your bank or with the Social Security Administration (SSA) directly. This will make sure you continue getting your money without delays once paper checks are phased out.
July Dates
For July 2025, here’s how the Social Security and SSI schedule breaks down:
| Date | Who Gets Paid |
|---|---|
| July 1 | SSI recipients |
| July 3 | Beneficiaries on SSA before May 1997 |
| July 3 | People receiving both SSI and SSA benefits |
| July 9 | SSA recipients born 1st–10th |
| July 16 | SSA recipients born 11th–20th |
| July 23 | SSA recipients born 21st–31st |
The first check goes out July 1 to all eligible SSI recipients. This benefit is for low-income individuals and couples with limited resources. If you qualify for both SSI and Social Security, you’re in luck—you’ll get two payments in the first week of July.
SSI Amounts
SSI benefits vary based on your income and living situation. Here’s what you could get:
| Category | Max SSI Payment |
|---|---|
| Individual | $967 |
| Eligible Married Couple | $1,450 |
Most people receive less than the maximum. If you have other income or support, it reduces your SSI benefit. Also, don’t forget to report any financial or marital changes to SSA—it could impact how much you receive.
SSA Amounts
Social Security retirement benefits are more generous but still depend heavily on your work history. The SSA sets the following maximum payments for 2025:
| Filing Age | Max Monthly Benefit |
|---|---|
| Age 70 | $5,108 |
| Full Retirement Age | $4,018 |
| Age 62 | $2,831 |
To get that $5,108, you’d need to have worked 35 years in SSA-covered jobs and maxed out your taxable income every year. That’s not common, but it’s possible if you were a high earner for decades and waited until 70 to file.
Timing
The SSA aims to send out payments on time, but delays can happen due to bank processing. If your deposit doesn’t arrive, wait at least three business days before contacting the SSA. Most delays are resolved within that window without needing action on your part.
With electronic payments becoming the standard and benefits arriving on a reliable schedule, the SSA is working to make July’s payments as smooth as possible. Just make sure your information is up to date and watch your account for that deposit.
FAQs
When is SSI paid in July 2025?
On July 1 for all eligible recipients.
Who gets paid on July 3?
SSA recipients before May 1997 or those also on SSI.
What’s the max SSI for individuals?
$967 per month if you qualify fully.
How much can retirees get at 70?
Up to $5,108 per month in 2025.
When should I report financial changes?
As soon as possible to the SSA.
