With summer settling in, many Americans are expecting their summer cash, and they are regularly checking their calendars for their July Social Security checks. Irrespective of whether citizens are receiving their retirement benefits, disability payments, or their Supplemental Security Income (SSI), they need to stay abreast of the Social Security Administration (SSA) payment schedule for July 2025 to understand when payment will be received this month and during the next month. Staying aware of the SSA schedule will allow beneficiaries to budget accordingly.
How to react to late Social Security payments?
According to the Social Security calendar, Social Security payments will come out every Wednesday in the month of July. Thus, should the July 9, 16, or 23 payments not arrive in time, rest assured that delays in payment can happen. Should a delay occur:
- The SSA recommends that citizens wait for 3 days before contacting a local SSA office.
- Citizens should make sure that all identity details and payment history is verified.
- Citizens should contact their banks as sometimes processing delays can result in delayed payments.
This month, SSI recipients can rest assured that the SSI payments were made to them by July 1. However, those SSI recipients who have not received their payments as yet should get in touch with their banks and thereafter with their local SSA offices should banking queries not be resolved within 48 hours.
Certain changes to expect from the SSA
There will be some Social Security recipients who will receive a reduction in their monthly checks. The SSA may withhold up to 50% of beneficiaries’ benefits if they were overpaid and did not start repaying any of the excess funds.
Thus far, the SSA recorded overpayments to over 2 million people during the financial year ending September 2023. The overpayments from the SSA were due to certain income or eligibility changes that were not reported and hence the SSA has taken the necessary incentive to reclaim those funds. Those beneficiaries affected will receive a notification detailing how much will be withheld as well as repayment plans and appeals.
Another official change that will be implemented by the SSA is the change to the full retirement age (FRA) which will see Social Security recipients saying goodbye to the 65 FRA. This means retirees should wait longer to retire in order to receive the full retirement benefit.
While these changes will take time to come into full effect, most people’s July’s payment will not yet be affected in any way. Hence beneficiaries must mark their payment dates on their calendars and watch their bank accounts to take note of when the summer cash comes in.
Looking at the July Social Security payment schedule
Recipients eagerly awaiting their July Social Security payment should look at the Social Security payment schedule for July which shows payments being distributed based on the dates of birth of eligible recipients.
- For citizens born between the 1st and 10th of any month, payment will be received on Wednesday, July 9.
- For citizens born between the 11th and 20th of any month, payment will be received on Wednesday, July 16.
- For citizens born between the 21st and 31st of any month, payment will be received on Wednesday, July 23.
Payments will be provided directly into the citizens’ bank accounts. All payments will arrive as scheduled according to the Social Security payment schedule unless there are federal holidays falling on the respective payment days.
This month, there are no federal holidays interrupting the payment schedule. Even SSI recipients received their payments as expected this month on July 1, as scheduled. However, in August too, SSI recipients will see two SSI payments coming in either on August 1 and August 29 due to a calendar quirk. SSA recipients must understand the payment schedule well so that beneficiaries don’t feel like the SSA is delaying payment for one group yet again without understanding why this happens.
Disclaimer: This content is informational only and does not supersede or replace the SSA’s or IRS’s own publications and notices. Always verify any specific dates and amounts by following the direct links in our article to SSA.gov or IRS.gov, or by consulting your local SSA field office or tax professional.
