The Social Security payment schedule for July 2025 is already underway, and millions of beneficiaries across the United States are awaiting the next crucial payment date: Wednesday, July 16. If you receive Social Security retirement, disability (SSDI), or Supplemental Security Income (SSI) benefits, it’s essential to know if you’re included in this upcoming disbursement.
Who Receives the Social Security Payment on July 16?
The July 16 payment corresponds to the third Wednesday of the month and is part of the official Social Security Administration (SSA) schedule. Those who qualify for this payment:
Receive Social Security benefits (retirement, disability, survivors, etc.)
Were born between the 11th and 20th of any month
Began receiving their payments after May 1997
If you meet these criteria, your payment will be directly deposited into your registered bank account or via a Direct Express card on July 16, 2025.
How is the SSI Payment Schedule Organized?
The SSA organizes payments based on the beneficiary’s date of birth, divided into three groups:
Second Wednesday of the month: for those born between the 1st and 10th of any month.
Third Wednesday of the month: for those born between the 11th and 20th (like July 16).
Fourth Wednesday of the month: for those born between the 21st and 31st.
Additionally, individuals who began receiving benefits before May 1997 or who receive SSI typically receive their payments either on the 1st of the month or the first Wednesday of the month.
What If You Don’t Receive Your Payment?
If you’re expecting your payment on July 16 but it doesn’t appear in your bank account on that day, the SSA recommends waiting at least three business days before taking further action. After that time, you can:
Contact your bank or financial institution to check if there was an issue with the deposit.
Call the SSA directly at 1-800-772-1213 (TTY: 1-800-325-0778).
Check your online account at ssa.gov/myaccount to confirm the payment status.
How Much Will You Receive for Social Security?
The amount you receive will depend on the type of benefits you qualify for and your work history. In 2025, the monthly average payment for a retiree is about $1,900, while SSDI beneficiaries receive an average of $1,500. However, the exact amount may vary depending on your specific case.
Additionally, January 2025 saw a cost-of-living adjustment (COLA) of 3.2%, which increased monthly payments for all beneficiaries slightly.
How to Stay Prepared
To avoid surprises and ensure everything runs smoothly, it’s advisable to:
Check the official payment schedule at ssa.gov.
Keep your bank and contact information up to date.
Create an online account on the SSA portal to monitor your benefits.
The next Social Security payment is confirmed for Wednesday, July 16, 2025. If you were born between the 11th and 20th of any month and started receiving benefits after May 1997, you’re on the list. Make sure to check your bank account and stay informed to avoid any setbacks!
