Millions of Social Security beneficiaries are set to receive their monthly retirement or disability benefits on Wednesday, July 9, 2025. This applies specifically to those born between the 1st and 10th of any month.
With the 2.5% cost-of-living adjustment (COLA) implemented for 2025, beneficiaries will notice a modest boost in their payments this month compared to previous periods.
Who Will Receive Payments on July 9?
The Social Security Administration (SSA) has scheduled the July 9 payment for retirees and Social Security Disability Insurance (SSDI) recipients whose birthdays fall between July 1 and July 10.
Other groups have already received their deposits:
- SSI recipients were paid on July 1.
- Beneficiaries receiving both Social Security and SSI or those who began receiving payments before May 1997 got their payments on July 3.
Remaining July 2025 Payment Schedule
If you haven’t been paid yet, here’s when to expect your deposit based on your birthdate:
| Birth Date Range | Payment Date |
|---|---|
| 1st–10th | July 9 |
| 11th–20th | July 16 |
| 21st–31st | July 23 |
| SSI Recipients | July 1 |
| SSA + SSI / Pre-1997 | July 3 |
How Much Can You Expect to Receive After the COLA Increase?
The 2.5% COLA boost affects how much you’ll receive based on when you started your retirement:
- Early retirement (age 62): Up to $2,572/month
- Full retirement (age 67): Up to $4,018/month
- Delayed retirement (age 70): Maximum of $5,108/month
Only those who worked at least 35 years, earned at the taxable maximum, and waited until age 70 can reach the highest benefit.
Didn’t Receive Your Social Security Deposit? Here’s What to Do
If your July 9 deposit hasn’t shown up yet:
- Check your bank account for the most recent deposit.
- Wait up to three business days for any delays in processing.
- If the deposit still isn’t there after four days, follow these steps:
- Contact your bank first to confirm any holds or delays.
- If unresolved, call the SSA at 1-800-772-1213.
- You can also log into your my Social Security account to track payments and verify your direct deposit details.
Conclusion
Beneficiaries born from the 1st to the 10th of any month will receive their Social Security payments on July 9, 2025, with average amounts now around $1,976/month, thanks to the recent 2.5% COLA. Depending on your retirement age and earnings, your payment could be as high as $5,108. Always check your account and SSA portal for updates, and contact the agency promptly if any issues arise.
FAQs
1. How do I know my exact Social Security payment amount for July 2025?
You can view your exact payment by logging into your my Social Security account or checking your latest award letter from the SSA.
2. Why did I not receive my payment on July 9 even though my birthday is in the first 10 days of the month?
Bank processing delays may occur. Wait three business days before contacting your bank or the SSA.
3. What if I receive both Social Security and SSI?
If you’re a dual recipient or started benefits before May 1997, your combined payment was issued on July 3.
4. Will there be another COLA increase later this year?
COLA adjustments are typically calculated annually in October based on inflation data. The current 2.5% increase applies for all of 2025.
5. Can I change my direct deposit details online?
Yes, use your my Social Security account to safely update your banking information and view upcoming payment dates.