Millions of Americans await their checks — Will your payment arrive early or later this month?
The U.S. government has just confirmed the full payment calendar for Social Security, SSDI, SSI, and VA benefits in July 2025. If you’re one of the more than 70 million Americans relying on these monthly payments, here’s exactly when you’ll get paid — and what you need to know about the latest COLA increase.
Are you expecting both SSI and SSDI? Or wondering if you qualify for the maximum $5,108 payment? These are the key dates to mark on your calendar.
This could affect over 70 million people across the country
The Social Security Administration (SSA) has officially released the July 2025 payment schedule, covering retirees, people with disabilities (SSDI), survivors, and Supplemental Security Income (SSI) beneficiaries.
Thanks to the 2.8% cost-of-living adjustment (COLA) approved for 2025, this month’s checks will reflect an increase compared to last year. While the maximum retirement benefit remains at $5,108, most people will receive a more modest amount, depending on their work history and retirement age.
If you get SSI, your money is coming first
SSI recipients will be the first to receive their payment:
July 1 — A flat $764 is set to be sent out to eligible individuals aged 18 to 64. This early distribution helps support Americans with limited income or disabilities.
Those who qualify for both SSI and SSDI — and even some long-term Social Security retirees — are scheduled for the July 3 deposit. This includes individuals who started receiving benefits before May 1997, who traditionally receive earlier payments.
Check your birthday — it determines your payment date
Here’s how the rest of July’s Social Security payments will be distributed based on birth dates:
- July 10 — Birthdays from the 1st to the 10th
- July 17 — Birthdays from the 11th to the 20th
- July 24 — Birthdays from the 21st to the 31st
This staggered system allows the SSA to manage millions of payments each month without delays or technical issues.
Many are eligible for dual payments this month
Some beneficiaries may receive two payments in July — one from SSI ($718) and another from SSDI ($1,581). This applies to individuals who qualify under dual eligibility programs.
If that’s your case, it’s crucial to check your bank account around July 1 and July 3, as the deposits typically appear within 24 hours of processing.
Stay informed — don’t miss your payment
In summary, your exact payment date in July depends on your benefit type and birthday. All checks will include the 2.8% COLA increase, offering extra support in a time of rising costs.
Whether you’re a retiree, on SSDI, or receiving SSI, staying updated on the payment calendar can help you manage your budget. Bookmark this article or save the dates — your next Social Security check is already on its way.
