Social Security Payments Arriving July 16 – See Who’s Eligible

The Social Security Administration (SSA) will make its planned July 2025 payments, with the next batch set to be put into bank accounts and sent to beneficiaries on Tuesday, July 16.

Millions of Americans, particularly seniors, individuals with disabilities, and survivors, rely on these payments for monthly financial security.

If you’re expecting a deposit, this article will guide you through who receives it, how much you can expect to receive, and how the payment schedule works.

Who Will Receive Social Security Payments on July 16, 2025?

The SSA follows a birth-date-based payment schedule. If your birthday falls between the 11th and 20th of any month, then your payment will arrive on July 16.

Here’s a breakdown of July 2025’s payment schedule:

Birth Date Range Payment Date

• 1st – 10th July 9, 2025
• 11th – 20th July 16, 2025
• 21st – 31st July 23, 2025
• Before May 1997 or on SSI, July 1 or July 3

Exceptions to the Regular Schedule

• Retirees and SSDI recipients who started receiving benefits before May 1997 receive their checks on the third of each month.
• SSI recipients typically receive payments on the 1st of the month, unless the date falls on a weekend or holiday.

How Much Will You Receive?

Your Social Security benefit is based on your lifetime earnings, calculated through average indexed monthly earnings (AIME) and your Primary Insurance Amount (PIA). The benefit amount can vary greatly depending on when you retire and your earnings history.

As of July 2025:

Category Amount (Approx.)

• Average retirement benefit: $2,002.39/month.
• Maximum retirement benefit: $5,108/month.
• Average SSDI benefit: $1,537 per month.
• The maximum SSI benefit for individuals is $943 per month.

The postal service may cause delays for beneficiaries who wait for paper checks, while those who opt for direct deposit are often paid sooner.

If your Social Security check does not arrive by the expected date:

1. Wait three mailing days beyond the due date.
2. If there’s still no payment, contact the SSA at 1-800-772-1213.
3. You can also check your My Social Security account for updates.

Make sure your banking information and address are up to date to avoid payment delays.

If your birthday is between July 11 and July 20, your Social Security payments are likely to come today. With payments averaging more than $2,000 each month, these monies make a significant difference in the lives of millions of Americans.

Whether you are getting retirement, SSDI, or SSI benefits, be sure you understand the payment schedule, know what to expect, and take action if there is a delay.

FAQs

When will people born after July 20 receive their payment?

Those with birthdays between July 21 and 31 will receive their payment on Wednesday, July 23, 2025.

Can I change my payment method to direct deposit?

Yes, you can switch to direct deposit through your My Social Security account or by calling SSA directly.

What if I receive both SSI and SSDI?

If you receive both SSI and SSDI, your SSI payment is made on the 1st, and SSDI is based on your birth date, typically on the 3rd or the following Wednesday.