July Social Security checks will begin arriving on the first of the month and will continue through Wednesday, the 23rd. When your first payment arrives depends on your birthday.
Beneficiaries who filed claims after May 1, 1997, and receive retirement, disability or survivor benefits are paid on either the second, third or fourth Wednesday of the month.
You also have a specific payment date if you received benefits before May 1997. Supplemental Security Income (SSI) payments are distributed monthly, usually on the first day of the month.
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The Social Security Administration (SSA) prepares payment schedules before checks are sent, ensuring you receive your payments on time. The recent cost-of-living adjustment (COLA), implemented in January, is factored into the current payment.
That means you should see a slight uptick in your monthly Social Security checks, which should have started in January. The 2.5% cost-of-living (COLA) increase added a little less than $50 to the average monthly benefit of about $1,900, according to the SSA. That 2.5% is down from a 3.2% COLA in 2024, but in line with the average 2.6% increase in the past two decades.
Here's when you will see your July 2025 payments.
The July Social Security payment calendar
If you collect Social Security Disability Insurance (SSDI) or retirement benefits, your benefit payment date is determined by your birthday.
If you get auxiliary benefits on someone else’s earnings record, spousal or survivor benefits, for example, your payment date is determined by that person’s birthday, not yours.
July Social Security payment dates
These are the dates you can expect your monthly payments for July 2025:
- July 1: If you receive SSI, you should receive your SSI payment on July 1 for your July payment.
- July 3: You'll receive a Social Security payment if you live outside the U.S., you receive both SSI and Social Security benefits, your state pays your Medicare premiums, or you filed for Social Security benefits before 1997.
- July 9: You should receive your Social Security payment on the second Wednesday of the month if your birthday falls on any day from the first to the 10th of your birth month.
- July 16: If your birthday falls on any day from the 11th to the 20th of your birth month, you’ll get your Social Security payment on the third Wednesday of the month.
- July 23: You’ll get your Social Security payment on the fourth Wednesday of the month if your birthday falls after the 20th of your birth month.
For a more detailed 2025 schedule, see our story, Social Security Payment Schedule for 2025
Bigger checks this past April
The SSA started sending out bigger monthly checks in April, thanks to the Social Security Fairness Act(SSFA), a law signed in January.
The SSFA eliminated the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP), which were intended to prevent anyone with a pension from “double-dipping” on federal benefits.
Payments have now been recalculated for certain recipients. Retroactive lump sums went out this past February, with higher monthly payments starting in April.
People affected by the repeal of the WEP should, on average, notice a $360 increase in their monthly checks.
Spouses affected by the GPO repeal should see a $700 increase, and surviving spouses should get a $1,190 increase, on average.
If you qualify, you don’t have to do anything as the adjustment should be automatic.
How to report a missing Social Security payment
If you don’t receive your electronic payments on the scheduled date, contact your bank or financial institution. Sometimes, the Social Security Administration experiences a delay in posting your payment.
If you still need help, call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778) or contact your local Social Security office.
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