John Hughie
Millions of Social Security beneficiaries have already received their July 2025 payments, with those born between the 1st and 10th having been paid on July 9, 2025.
But if your birthday falls between July 11 and 20, your payment is on the way — set to arrive in just five days, on Wednesday, July 16.
Let’s break down everything you need to know about payment dates, amounts, and the critical changes to Social Security in 2025.
Payment Schedule for July 2025
Social Security payment dates are determined by your birth date. Here’s the full schedule for July:
| Birthday Range | Payment Date |
|---|---|
| 1st – 10th | Wednesday, July 9 (Completed) |
| 11th – 20th | Wednesday, July 16 |
| 21st – 31st | Wednesday, July 23 |
| SSI-only beneficiaries | Tuesday, July 1 |
| Pre-May 1997 retirees or dual benefit recipients | Wednesday, July 3 |
Average Social Security Benefit Amounts in 2025
Thanks to the 2.5% COLA (Cost-of-Living Adjustment) applied in January 2025, payment amounts have increased across the board.
| Recipient Type | Average Monthly Payment (2025) |
|---|---|
| Individual Retiree | $1,976 |
| Retired Couple | $3,089 |
If you’ve already received your July benefit and fall in the early birthday category (1st to 10th), it’s time to prepare for next month and review new SSA updates.
Key Changes to Social Security in 2025
1. End of Paper Checks
Starting September 2025, SSA will phase out paper checks completely. Beneficiaries must switch to:
- Direct Deposit
- Direct Express Debit Card
Failing to do so may result in delayed or missed payments.
2. Full Overpayment Recovery Resumed
As of April 2025, the SSA resumed 100% monthly benefit withholding for overpayment recovery. However, you can:
- Request financial hardship exemptions
- Negotiate reduced repayment amounts
3. In-Person Identity Verification
Applicants or those making significant account changes must complete in-person ID verification at an SSA office.
Tips to Avoid Payment Issues
Update bank details on ssa.gov
Log in to your my Social Security account regularly
Switch to direct deposit before September deadline
Review your personal details for accuracy
Watch for updates on garnishments or repayments
How to Contact SSA
You can manage everything through multiple channels:
- Phone: Call 1-800-772-1213 (Mon–Fri, 8 a.m. to 7 p.m.)
- TTY Users: 1-800-325-0778
- Visit: SSA Office Locator
- Online: ssa.gov or my Social Security
As we say goodbye to July’s first round of $3,089 Social Security payments, it’s important to stay informed and prepared. Whether you’re expecting your next deposit on July 16 or July 23, make sure your details are up to date and you’re ready for the transition away from paper checks.
With changes like COLA boosts, overpayment recovery, and in-person ID verification, now is the time to review your Social Security profile and avoid disruptions in the months ahead.
FAQs
When is the next Social Security payment in July 2025?
July 16 for those born between the 11th and 20th, and July 23 for those born between the 21st and 31st.
What is the average Social Security payment now?
The average monthly payment is $1,976 for individuals and $3,089 for couples, reflecting the 2025 COLA increase.
When will Social Security stop issuing paper checks?
September 2025 is the final month for paper checks. You must switch to direct deposit or a Direct Express card.
