Many senior citizens and people with disabilities in the United States depend on their monthly Social Security payments to manage daily expenses. With July 2025 already here, many are wondering whether their payment is arriving this week.
The Social Security Administration (SSA) has set a specific calendar for sending out checks, and the second Wednesday of July is a key date.
If you’re someone waiting for your Social Security check, this guide will help you understand whether you’re getting paid on July 9, 2025, and what other important dates you need to know.
Who Will Get Paid on July 9, 2025?
If your birthday falls between the 1st and 10th of any month and you started receiving benefits after May 1997, your payment will be sent on the second Wednesday of the month, which is July 9, 2025.
The SSA manages payments for nearly 70 million Americans across different programs such as retirement, disability (SSDI), survivors, and Supplemental Security Income (SSI).
Here are the average payment amounts based on the latest data from May 2025:
Retirees: Around $2,002.39
SSDI beneficiaries: Around $1,581.97
Survivors: About $1,566.66
These amounts may vary depending on your work history, earnings, and benefit type.
Who Will Not Receive Payment on July 9?
Not everyone will get paid on this date. Here’s who won’t receive their payment on July 9:
SSI recipients: Received their payment on July 1
Those who began receiving Social Security before May 1997: Got paid on July 3
People born between the 11th and 31st of the month: Will be paid on July 16 or July 23
So, if your birthday is from the 11th to 20th, expect your payment on July 16. If you were born from the 21st to the 31st, your payment will come on July 23.
Full Social Security Payment Calendar for July 2025
To make things easier, here is the full payment schedule for July 2025:
July 1 – SSI recipients
July 3 – People who started receiving payments before May 1997 or also get SSI
July 9 – Birthdays between 1st and 10th (after May 1997)
July 16 – Birthdays between 11th and 20th
July 23 – Birthdays between 21st and 31st
Important Update: Overpayment Deductions
Starting late July 2025, some people might see a reduction in their payment if the SSA is recovering overpayments. If you got a notice about an overpayment in April 2025, your monthly benefit could be reduced by up to 50%. However, this will affect less than 1% of all beneficiaries.
Make sure to check your SSA account or contact them if you are unsure about your status.
What’s New in Social Security Benefits for 2025?
For 2025, there is a 2.5% cost-of-living adjustment (COLA). This means benefits have slightly increased to keep up with inflation. Here are some updates:
Average monthly benefit for an individual retiree is now $1,976
For couples, the average is around $3,089
The maximum benefit can reach $5,108, but only if you’ve worked 35 years in high-paying jobs and claimed benefits at age 70
Also, under a new law signed by President Trump, people over age 65 may qualify for a temporary tax deduction:
$6,000 for singles
$12,000 for couples
This helps reduce taxes on Social Security income but does not fully eliminate them.
