Social Security beneficiaries who were born between July 1 and July 10 are scheduled to receive their monthly retirement or disability payments on Wednesday, July 9, 2025. This date applies to those receiving Social Security retirement or Social Security Disability Insurance (SSDI) benefits.
Thanks to the 2.5% Cost-of-Living Adjustment (COLA) applied for 2025, recipients will notice a slight boost in their monthly payments compared to the previous year.
Eligibility and Payment Criteria for July 2025
According to the Social Security Administration (SSA), payment dates are organized by the birth date of the beneficiary:
- July 9 – For those born between the 1st and 10th of any month
- July 16 – For those born between the 11th and 20th
- July 23 – For those born between the 21st and 31st
Additionally:
- Individuals who receive both Social Security and Supplemental Security Income (SSI), or who started benefits before May 1997, were already paid on July 3, 2025.
- Regular SSI payments were sent on July 1, 2025, in the early morning.
Increased Payment Amounts After 2.5% COLA Adjustment
The 2.5% COLA increase for 2025 has led to higher maximum monthly benefits, depending on the retirement age and work history of the recipient:
| Retirement Age | Maximum Monthly Benefit (2025) |
|---|---|
| Early Retirement (age 62) | Up to $2,572 |
| Full Retirement (age 67) | Up to $4,018 |
| Delayed Retirement (age 70) | Up to $5,108 |
Note: To reach the maximum benefit, individuals must have worked for at least 35 years, earning at or above the taxable income limit, and delayed claiming benefits until age 70.
What to Do If You Haven’t Received Your Payment
If your July 9 payment doesn’t show up in your bank account on time, follow these steps:
- Double-check your bank account or payment method.
- Wait up to 3 business days, as banks may experience processing delays.
- If you still haven’t received your funds by the fourth business day, contact:
- Your bank first
- Then the SSA at 1-800-772-1213
- Alternatively, log in to the my Social Security portal to check for updates or discrepancies.
Conclusion
With the July 2025 Social Security payment schedule clearly outlined, beneficiaries should keep an eye on their designated deposit date, especially if they were born between July 1 and 10. The 2.5% COLA ensures a slightly larger payout this month, and those eligible for the maximum benefit could see up to $5,108 depending on their work and retirement history. If you don’t receive your deposit on time, follow the recommended steps to address the delay promptly.
Frequently Asked Questions
1. Who will receive their Social Security payment on July 9, 2025?
Anyone born between the 1st and 10th of any month and receiving retirement or SSDI benefits will be paid on July 9, 2025.
2. How much has the COLA increased in 2025?
The Cost-of-Living Adjustment for 2025 is 2.5%, leading to slightly higher monthly payments for most beneficiaries.
3. When will SSI and early Social Security payments be made in July?
SSI was deposited on July 1, while those receiving SSA + SSI or who started before May 1997 were paid on July 3.
4. What is the highest Social Security payment someone can receive in 2025?
The maximum monthly payment is $5,108, available to individuals who worked 35 years at maximum taxable earnings and waited until age 70 to claim benefits.
5. What should I do if I don’t receive my July 9 Social Security payment?
Wait 3 business days, check your bank account, then contact your bank and the SSA at 1-800-772-1213 if the issue persists.