Social Security payments for July are distributed on Wednesdays based on your birth date. If you were born between the first and tenth of any month, you will be paid on Wednesday, July 9. This schedule covers retirement, SSDI, and survivor benefits.
For those born between the 11th and 20th, your deposit will be received on Wednesday, July 16. If your birthday falls between the 21st and the 31st, your due date is Wednesday, July 23. Exception: If you started receiving payments before May 1997, you will have received your payment by July 3.
SSI (Supplemental Income) recipients received their payments on July 1, while those who are retired and living abroad or who receive SSI in conjunction with retirement (or SSDI, disability benefits) received their payments on the third of each month.
The maximum Social Security benefit and its terms
Following the 2.5% cost-of-living adjustment (COLA 2025), the maximum monthly benefit is $5,108, but not everyone receives it. This amount is only applicable if you meet three criteria: retirement at age 70, 35 years of contributions, and income at the taxable limit.
For example, if you retire at age 67 (full retirement age in 2025), the maximum is $4,018; if you retire at age 62, it decreases to $2,831. Most people receive less; retirees currently receive an average of $2,002. The amounts vary according to work history and retirement age.
SSDI (Disability Insurance) averages $1,582, while SSI averages $718. These amounts reflect differences in the SSA’s programs, which include, as previously stated, retirement payments, SSI payments, SSDI payments, and others passed down by deceased beneficiaries to their surviving heirs.
Risks of payment reduction—what you need to know
Some beneficiaries’ July payments may be reduced if the Social Security Administration recovers previous overpayments. The SSA can withhold up to 50% of the monthly benefit if there is no payment plan in place.
This primarily affects those who received incorrect amounts as a result of unreported changes in earnings or disability adjustments. By 2025, an estimated 2 million people will find themselves in this situation. Transparency with the SSA is critical.
If this occurs, contact the SSA to work out a reasonable payment plan. Avoiding drastic withholdings necessitates proactive communication with the administration via your Social Security number.
Also, before September 30, you must complete the process of changing your payment method from paper check to electronic payment, because the agency will no longer accept paper checks and will transition all of its services to digital means, such as direct deposit into a bank account or the use of a Direct Express card, beginning October 1.
