Millions of Americans receive Social Security payments each month, and July 9, 2025, will mark one of the key payment dates for beneficiaries. Here’s a breakdown of who will receive their payments on that date and how much they can expect based on their Social Security category.
Who Will Receive Payments on July 9, 2025?
Retirees: Those born between July 1 and 10 will receive their Social Security payments on Wednesday, July 9, 2025.
Disability Beneficiaries (SSDI): People receiving Social Security Disability Insurance (SSDI) who have birth dates between July 1 and 10 will also receive their payments on July 9.
Survivors and Family Members: Beneficiaries in the survivor category (spouses, children, or disabled family members) born between July 1 and 10 will also be paid on this date.
Social Security Payment Schedule for July 2025
Social Security payments follow a set schedule, depending on the beneficiary’s birth date:
July 9: Beneficiaries born between July 1 and 10
July 16: Beneficiaries born between July 11 and 20
July 23: Beneficiaries born between July 21 and 31
For those who applied for Social Security benefits before May 1997, or those who receive both Social Security and SSI, payments were issued on July 3, 2025.
Maximum Social Security Benefit for 2025
The maximum monthly Social Security payment in 2025 can reach $5,108 for those who qualify under specific conditions:
Work History: You must have worked for at least 35 full years and contributed the maximum Social Security taxes.
Late Application: You must delay applying for Social Security until age 70 to receive the maximum benefit. Each year of delay after the full retirement age (67) increases your monthly payment by approximately 8%.
Primary Insurance Amount (PIA): Your benefit is calculated based on the 35 years of your highest earnings, adjusted for inflation.
Typical Retirement Benefits
While the maximum benefit is $5,108, most retirees do not qualify for the full amount. The average retirement payment in 2025 is around $2,000 per month. This lower amount is more common for individuals who did not work at the maximum wage level or did not delay claiming their benefits until age 70.
What to Do if You Don’t Receive Your Payment on Time
If your Social Security payment doesn’t arrive on July 9, follow these steps:
Wait 3 Business Days: Bank delays may occur, so wait at least 3 business days before taking further action.
Check with Your Bank: Verify if the payment is pending.
Contact the SSA: If the payment is still missing after 4 days, call the Social Security Administration at 1-800-772-1213 to resolve any potential issues.
Additional Information for SSDI and SSI Beneficiaries
SSI recipients generally receive their payments on the first business day of each month, which was July 1 for July 2025.
SSDI recipients who received payments before May 1997 or those receiving both SSI and SSDI received their funds on July 3, 2025.
If you were born between July 1 and 10, expect your Social Security payment on July 9, 2025. Thanks to the 2.5% COLA increase, your payment will likely be higher than it was last year. If you don’t receive it on time, remember to check with your bank and the SSA for assistance.
