This July, the previously announced 2025 cost-of-living adjustment (COLA) will result in slightly higher payments for millions of Social Security recipients nationwide. Since January, payments have reflected the increase, which was fixed at 2.5 percent.
The CPI-W, a particular subset of inflation statistics generated by BLS, is used by S.S.A to determine the COLA each year. As inflation has gradually decreased, the percentage rise for Social Security increase July 2025 amounted to 2.5 percent, which is lower than the significantly bigger adjustments observed in 2023 (8.7 percent) and 2024 (3.2 percent).
Social Security Increase July 2025
A 2.5% COLA increase, which was announced in October 2024 and went into effect in January, is included in the federal maximum amounts for 2025, just like all other benefits. The official monthly payments are $1,450 for couples who receive SSI and $967 for individuals and those who provide essential care to a beneficiary are eligible to get upto USD 484.
Since this kind of benefit is uncommon, applications must be well-supported and justified. The calculation of net pay involves deducting countable income. About $1 is deducted from the benefit for every $2 of earned income. All other income is totally subtracted, including pensions and benefits. In-kind aid for food or shelter also lowers the total amount and due to these deductions, many recipients get less than the federal limit.
The amount received is increased by supplemental programs (SSPs) administered by some states. In states like California, Nevada, and New Jersey, the monthly amount of federal and state taxes might surpass $1,200 per individual. The difference is determined by state budgets and local laws.
When will you get COLA and its impact in July?
Even if there is still a little confusion on social media, it is important to make clear that there will not be a special mid-year raise in July. January payments were the first to implement the 2.5 percent increase, and the July payout maintains the same adjusted rate.
In 2024, the average monthly SSA Payment Amount 2025 for a typical retiree was $1,927. The new expected monthly payment was $1,976 after the average increased by around $49 following the 2.5 percent COLA. Married couples who get benefits together got an average monthly rise of almost $75, increasing their monthly income from $3,014 to $3,089 per month.
That implies that throughout the course of the year, individuals will get about $588 more in income, and couples will receive around $900 more than they did the year before. The July payment is based on the beneficiary’s birthdate and is made according to the SSA’s standard staggered schedule.
Payment is made early in the month to those born in 1st and 3rd of the month, and later in the month to those born in the following groups and no specific adjustments were made to this plan for July by the SSA.
Despite the seemingly little $49 monthly increase, it is vital in helping Americans with disabilities and retirees maintain their buying power in the face of growing costs. Basic items like food, housing, and healthcare continue to put pressure on fixed-income people, even if inflation is not as high as it was 2 years ago.
Looking ahead, early projections for the 2026 COLA indicate to even another small adjustment, perhaps nearer 2.2 percent, based on the mid-2025 inflation data. After the pandemic-era hikes, that would be the third year in a row with decreased COLAs.
July 2025 Social Security Schedule Starts today With $1,450 Deposits
The July payment for Supplemental Security Income (SSI) beneficiaries is scheduled for Tuesday, July 1, 2025. According to standard Social Security Administration (SSA) procedure, this payment is made on the first day of the month.
The SSI payments are advanced to the previous business day when Social Security July 2025 Payment Date occurs on a weekend or holiday, as was the case in June. The rule resulted in no payment being made in June and the payment being advanced to May (two deposits were made on May 1 and May 30).
What to do if I don’t get my payment in July 2025?
Supplemental Security Income (SSI) beneficiaries are scheduled to get their July payment on July 1, 2025. After a distribution in May 2025, everything resumed as usual for SSI beneficiaries. On the other hand, certain beneficiaries may have to deal with an odd payment schedule in August, similar to that of May. If 1st of any month falls on a Saturday, Sunday, or public holiday, the SSI July 2025 Payment Amount is made on the last working day of the previous month.
If your payment is not received on July 1st, recipients should contact their banking institution. Delays in processing don’t always indicate SSA mistakes. Institutions should confirm if the transaction was received by them or if internal delays occurred.
You should get in touch with the SSA if the registration is still unregistered after three business days. 800-772-1213 is the national phone number and local offices can also answer questions in person. For each application, identification and a Social Security number are required.
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