As all Social Security benefits, including SSI direct deposits, were disbursed in June, millions of eligible recipients are looking forward to their July 2025 Social Security Payment. For individuals who fulfill Social Security Payment 2025 Eligibility Requirements set by SSA, two great payments will be made during the first week of July.
They will be for RSDI (Retirement, Survivor, and Disability Insurance) payouts and one for SSI recipients. If you are a qualified SSI beneficiary, the first direct deposit will be made on July 1, 2025. This indicates that you applied for and were approved for this Federal benefit, and that you are still eligible. Remember that this is the only time that all recipients will get a paycheck and on the other hand, you can get your money on one of the four planned paydays if you are receiving Social Security.
Social Security July 2025 Payment Guide
The Social Security Administration (SSA) has updates its website with Social Security July 2025 Payment schedule to make budgeting easier. In order to prevent weekends or holidays, payments are made on business days. All of the dates in July 2025 fall on Wednesdays, thus no changes are needed. Payment will be made on July 3 to anyone who were receiving SSI or benefits before 1997.
Benefits are highest for those who wait until they are 70 years old ($5,108) and the reduction is permanent for those who retire at age 62. The first time the average benefit exceeded $2,000 was in May 2025 and this increase reflects COLA that helps retirees maintain their purchasing power.
July 2025 Social Security Payment Calendar
| Payment Type | Date | Who Receives It |
|---|---|---|
| SSI | July 1 | All SSI recipients |
| Social Security / SSDI (early) | July 3 | Pre- May 1997 recipients or those on both SSI + SSDI |
| SSA (DOB 1st–10th) | July 9 | SSA/SSDI recipients with early-month DOB |
| SSA (DOB 11th–20th) | July 16 | SSA/SSDI recipients with mid-month DOB |
| SSA (DOB 21st–31st) | July 23 | SSA/SSDI recipients with late-month DOB |
Average Social Security payment for retirees in July 2025
It is more important than ever to monitor your monthly Social Security payment if you are retired or intend to become so. Since many American’s finances are tighter and inflation is still there, even minor adjustments to your monthly check can have a big impact. The average monthly benefit for a retired worker was $1,980.86 as of February 2025, according to the Social Security Administration.
The average payout for all recipients was $1,839.83, which is significantly less than that amount. How come there is a gap? Social Security benefits more than just retirees; it also helps disabled workers, surviving family members, and other family members, who sometimes get smaller monthly benefits.
SSA July 2025 Payment Details
- COLA Increase: All July payments now include the 2.5% COLA started in January.
- No $600 Bonus: The COLA rise is given out on a monthly basis, therefore social media reports claiming a $600 bonus payment in July are untrue.
- Average Benefits: The average payout for retired employees was $2,002.39 in May 2025. The average SSI payout for the 7.4 million people who received it was $718.30.
- Benefit Calculation: The age at which you start receiving benefits and your lifetime earnings are used to calculate how much you will get. The maximum amount is $2,831 per month at age 62, $4,018 at age 67, and $5,108 at age 70.
- Missing or Delayed Payments: Do not call the SSA until at least three working days have passed if your payment has not arrived as scheduled or you can inquire about processing delays with your bank. You can visit a local field office or call SSA a at 1-800-772-1213 to report a payment as stolen, lost, or late.
Activate direct deposit to receive SSA payment
The Federal government will switch to electronic payments on October 1, 2025. Direct deposit is going to replace physical checks for those who still get them. Payments will still be made using the present manner as of July, as this measure is not yet in place. The SSA places a high priority on distribution efficiency and security.
Since theft and loss have increased recently, the agency thinks it’s important to limit the risk of theft and loss by using electronic payments. Although the previous method will continue to operate as of July 2025, recipients are advised to change their bank information in advance to avoid payment suspensions.
You must use Direct deposit or go for a “DirectExpress” prepaid card, if you dont have an account.
Since there will likely be a large number of applications in the last weeks of September, i advise making changes as soon as possible rather than in the last couple of days. The deadline is September 30th. The suspension of paper checks also affects Disability Insurance (SSDI) and Supplemental Security Income (SSI).
Sign up for- my Social Security account
To manage your personal details on ssa.gov, you can create a my Social Security account and you have the option to choose online notices over mailed notices if you travel often or are worried about mail theft.
You may use the account to get information about the COLA, predict future payments, check the progress of an application, and obtain a replacement Social Security card. You may also use this account to obtain your Social Security 1099 form and update your direct deposit details.
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