The Social Security payment schedule for July 2025 has already begun, and millions of beneficiaries in the United States are eagerly awaiting the next key date. Wednesday, July 16.
If you receive Social Security retirement, disability, or Supplemental Security Income (SSI) benefits, you should know if you are eligible for this upcoming disbursement.
We explain who will receive their payment that day, how the date is determined, and what to do if you don’t get it on time.
Who receives the Social Security payment on July 16?
According to the Social Security Administration’s (SSA) official calendar, Wednesday, July 16, 2025, corresponds to the second group of beneficiaries. This group contains those who:
Receive Social Security benefits (retirement, disability, survivors, etc.)
They were born between the 11th and 20th of any month
They began receiving their payments after May 1997
If you meet these requirements, your deposit is scheduled for July 16. Payments are made directly into the registered bank account or with the Direct Express card.
How is the SSI payment schedule organized?
The SSA makes monthly payments based on the beneficiary’s birth date. The schedule is organized into three groups:
Second Wednesday of the month: for those born between the 1st and 10th.
Third Wednesday of the month: for those born between the 11th and 20th (as in this case, July 16).
Fourth Wednesday of the month: for those born between the 21st and 31st.
Furthermore, those who began receiving benefits before May 1997 or who receive SSI typically receive payments on the first of the month or the first Wednesday, depending on the type of benefit.
What if you don’t receive your Social Security payment?
If you expect your payment on July 16 and it does not appear in your bank account that day, the SSA recommends that you wait at least three business days before taking action. If the money does not arrive within that time frame, you can:
Contact your bank or financial institution to verify if there was a problem with the deposit.
Call the SSA directly at 1-800-772-1213 (TTY 1-800-325-0778).
Check your online account at ssa.gov/myaccount to confirm the payment status.
How much will you receive for Social Security payment?
The payment amount varies based on the type of benefit and the beneficiary’s work history. In 2025, the monthly average for a retiree is around $1,900, while SSDI beneficiaries receive an average of $1,500. These values, however, may differ depending on the specific case.
Additionally, in January 2025, a 3.2% cost-of-living adjustment (COLA) was implemented, slightly increasing monthly payments for all beneficiaries.
How to prepare for future SSI payments
To avoid surprises, it is advisable to:
Check the official payment schedule at ssa.gov.
Keep your bank and contact information up to date.
Create an online account on the SSA portal to monitor your benefits.
The next Social Security payment is scheduled for Wednesday, July 16, 2025, and if you were born between the 11th and 20th of any month and began receiving benefits after May 1997, you are on the list. To avoid setbacks, be prepared, check your bank account, and stay informed.
