In a significant change, the Social Security Administration (SSA) has announced that it will eliminate paper checks for beneficiaries starting September 30, 2025. This decision is aimed at reducing fraud, operational costs, and delays. If you’re one of the approximately 500,000 Americans still receiving paper checks, you must act now to avoid disruptions in your monthly payments.
What You Can Do to Avoid Payments Being Stopped
To ensure you continue receiving your benefits without interruption, you need to switch to electronic payments. Here’s how:
Activate Direct Deposit: The fastest and easiest way to update your payment method is by setting up direct deposit into your bank account. You can do this online via your “my Social Security” account, by calling 1-800-772-1213, or by submitting Form SSA-1199A.
No Bank Account? Request a Direct Express Card: If you don’t have a bank account, you can request the Direct Express card, which allows you to receive federal payments directly without needing a traditional bank account. This card is designed for ease of use and accessibility, especially for beneficiaries.
Verify Your Identity: You’ll need to verify your identity to complete the electronic transition. This can be done through your “my Social Security” account or by visiting your local SSA office. Verification ensures that your payment details are accurate and that you remain eligible for benefits.
By switching to electronic deposits, you avoid the risk of delays caused by lost, misplaced, or stolen paper checks. Plus, direct deposits are processed faster—usually within one business day, compared to the several weeks it can take with paper checks.
Payment Dates for July 2025
Here’s a look at the Social Security payment schedule for July 2025:
July 9, 2025: Payments for beneficiaries born between the 1st and 10th of any month.
July 16, 2025: Payments for those born between the 11th and 20th.
July 23, 2025: Payments for those born between the 21st and 31st.
Direct deposits typically arrive by 9 a.m. local time, while mailed checks may take 1-3 days to arrive.
2025 Maximum Benefit Amounts
The maximum monthly Social Security benefit in 2025 depends on your retirement age:
Full retirement age (around 67): $4,018
Delaying retirement until age 70: $5,108
Early retirement at age 62: $2,831
The average monthly benefit for retirees in 2025 is $1,976, reflecting a 2.5% Cost of Living Adjustment (COLA) aimed at offsetting inflation.
What to Do If Your Payment Is Missing
If your Social Security payment doesn’t show up when expected, follow these steps:
Check the Scheduled Date: First, verify the scheduled deposit date based on your birthdate.
Check Your Bank Account or Direct Express Card: Look for any pending transactions in your account or on your Direct Express® card.
Missing After Three Days?: If your payment hasn’t been deposited after three business days, contact the SSA at 1-800-772-1213 (TTY 1-800-325-0778) or visit your local SSA office.
Make sure your direct deposit details are up to date in your “my Social Security” account. If your check is lost or stolen, report it immediately to prevent fraud. Keep a record of any communications for your reference.
