On July 9, 2025, retirees and disability beneficiaries of the Social Security program who were born between July 1 and 10 will receive their monthly payments. If you fall into this group, your deposit will arrive Wednesday, July 9.
With the 2.5% cost-of-living adjustment (COLA) increase, many beneficiaries will receive more than the usual amount they’ve been receiving. Here’s what to expect for different groups:
Social Security Payment Breakdown for July 9, 2025
Early Retirement (age 62):
Up to $2,572 per month, based on the COLA increase.
Full Retirement Age (age 67):
Up to $4,018 per month.
Postponing Retirement until Age 70:
Up to $5,108 per month, for those who waited until age 70 and worked 35 years at the maximum tax limit.
Who Gets Paid When?
For Social Security beneficiaries, the payment schedule for July 2025 is based on birth dates:
July 9: For those born between July 1 and 10.
July 16: For those born between July 11 and 20.
July 23: For those born between July 21 and 31.
Some groups, such as those who receive both SSI and Social Security or individuals who started benefits before May 1997, received their payments on July 3, 2025.
What to Do if You Don’t Receive Your Payment on Time
If you don’t see your Social Security deposit in your bank account by July 9, follow these steps:
Wait three business days to account for possible bank processing delays.
Check with your bank to confirm if the payment is pending.
If the payment still doesn’t appear after four days, contact the SSA at 1-800-772-1213 to investigate potential issues.
Maximize Your Benefits
The 2.5% COLA increase means a higher payment for many beneficiaries, but your specific amount depends on your retirement age and work history. For high earners who worked at the maximum Social Security tax limit for 35 years, the maximum monthly payment could be as high as $5,108.
If you were born between July 1 and 10, look for your Social Security payment on July 9, 2025. The payment will reflect the 2.5% COLA increase, which will provide beneficiaries with more than they would typically receive. Make sure to follow the necessary steps if your payment doesn’t arrive as expected, and be aware of the schedule for those with different birth dates.
