Social Security payments in the United States are issued on specific schedules depending on the type of benefit and the beneficiary’s birth date. For July 2025, the payments will follow a set timeline, impacting millions of retirees, disabled individuals, and their families.
For those who are getting their payments on Wednesday, July 9, 2025, the timing depends on their birth date and the program they are enrolled in. Here’s what you need to know about who will receive their benefits on July 9 and the amounts they can expect.
Who Is Receiving Payments on July 9, 2025?
Social Security benefits are distributed according to birth dates, and those born between July 1 and 10 will receive their payments on Wednesday, July 9, 2025. These payments are for individuals receiving retirement, disability (SSDI), or survivor benefits.
Beneficiaries who applied for Social Security benefits after May 1, 1997, have their payments based on their birth date. This birthday-based payment system was introduced to streamline disbursements and ensure fair distribution.
For retirees and people with disabilities who are receiving benefits from the Social Security Administration (SSA), here is how the distribution will work in July:
Born between July 1 and 10: Payments will be made on July 9, the second Wednesday of the month.
The Social Security program covers various categories of beneficiaries, including retirees, people with disabilities, and survivors of workers who have passed away. All of these groups are subject to the payment schedule, with specific dates based on their birth month.
What Are the Payment Amounts?
The amount you receive depends on your eligibility and the type of benefit you’re receiving. The Social Security Administration (SSA) sets limits on how much an individual can receive, with the maximum monthly retirement benefit in 2025 being $5,108 for those who have worked and contributed to Social Security for at least 35 years and wait until they are 70 to claim the benefit.
For retirees: If you qualify for the maximum benefit, you can receive up to $5,108 per month. However, the average monthly Social Security retirement benefit is much lower—around $2,000.
For families with disabled workers: If you have dependent family members (such as a spouse or children), you may be eligible for additional auxiliary benefits. In these cases, the average family payment is $2,826.
It’s important to note that late applications and early retirement can lower the monthly benefit amount, as Social Security applies a reduction for individuals who claim before reaching full retirement age (between 66 and 67).
Who Else Is Affected by the Payment Schedule?
In addition to those born between July 1 and 10, other SSDI and retirement beneficiaries will receive payments on different dates in July 2025:
July 16, 2025 (third Wednesday): For beneficiaries with birthdays between July 11 and 20.
July 23, 2025 (fourth Wednesday): For beneficiaries with birthdays between July 21 and 31.
For individuals who started receiving benefits in or before May 1997, their payment date is fixed. These recipients will get their payment on July 3, regardless of their birth date. This same payment date applies to individuals who receive both Social Security and SSI.
What If You Don’t Receive Your Payment on Time?
If your payment doesn’t arrive on the expected date, there are a few things you can do:
Wait 3 business days after the scheduled payment date. Bank processing may cause slight delays.
Contact your bank to check if the deposit is pending.
If the payment still hasn’t arrived, contact the SSA at 1-800-772-1213 to report the issue and check if there were any administrative or technical errors.
Maximizing Social Security Payments
To maximize your Social Security retirement benefit, you need to meet certain criteria:
Work and contribute for at least 35 years at maximum earnings.
Wait until age 70 to apply for your retirement benefits. This allows you to take advantage of the 8% increase in benefits for each year you delay your application beyond your full retirement age.
Your Primary Insurance Amount (PIA), which is calculated based on your highest 35 years of income, must meet the required level for the maximum benefit.
If you meet these conditions, you could qualify for the maximum monthly benefit of $5,108 in 2025. However, most retirees will receive amounts well below the cap, with the average being around $2,000 per month.
