Millions of retirees, people with disabilities, and survivor beneficiaries are eagerly awaiting their Social Security payments this July, and for many, these funds offer a vital financial lifeline. The Social Security Administration (SSA) follows a staggered payment schedule, ensuring that benefits reach recipients in a predictable and organized manner.
Wednesday, July 23, 2025, will mark the final wave of Social Security payments for the month. This distribution will be for beneficiaries born between the 21st and 31st of the month. For those expecting a payment on this date, it’s essential to understand how the staggered schedule works and how to track your payment status.
Social Security Payment Schedule Breakdown
The SSA issues payments in three phases based on your birthdate:
July 9: Beneficiaries born between the 1st and 10th.
July 16: Beneficiaries born between the 11th and 20th.
July 23: Beneficiaries born between the 21st and 31st.
How Much Money Can You Expect from Social Security?
The average monthly benefit for different groups of Social Security beneficiaries is as follows:
Retired workers: Average of $1,907 per month.
Disabled workers (SSDI): Average of $1,537 per month.
Couples receiving benefits: Around $3,303 combined.
Maximum benefit at full retirement age (67): $3,822.
Maximum benefit at age 70: $5,108.
How to Check the Status of Your Social Security Payment
If you’re expecting your Social Security payment on Wednesday, July 23, you can track its status in the following ways:
Visit the My Social Security portal: You can log in to your account on the SSA website to check your payment status.
Check your bank account: If you receive direct deposit, look for the payment in your account around July 23.
Contact your bank: If there’s a delay in the deposit, reach out to your bank to inquire about any issues.
If the payment is still missing after three business days, you can contact the SSA at 1-800-772-1213 for assistance.
What’s Next in the Social Security Calendar?
Looking ahead, SSI (Supplemental Security Income) recipients will receive their payments on August 1. Social Security retirement and disability beneficiaries will continue to receive their payments on August 14, August 21, and August 28, depending on their birthdate.
