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By Aliss Higham
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Social Security benefits will be paid throughout July—when will you get yours?
Why It Matters
More than 70 million Americans receive benefits and welfare payments from the Social Security Administration (SSA). Due to the large number of beneficiaries, not all claimants receive their payments on the same day each month. Most are paid based on their birth date.
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However, individuals who began receiving retirement, spousal or survivor benefits before May 1997, or who also receive Supplemental Security Income (SSI), follow a different payment schedule. SSI is a federal program that provides monthly support to adults and children with disabilities or blindness, as well as to adults aged 65 and older.
When Is Social Security Paid in July?
In July, benefits will be paid on the following dates:
- Tuesday, July 1: SSI payments
- Thursday, July 3: Retirement benefits for those who have been collecting checks since before May 1997 and retirees who also collect SSI benefits
- Wednesday, July 9: Retirement, spousal and survivor benefits for those born between the 1st and 10th of any calendar month
- Wednesday, July 16: Benefits for those born between the 11th and 20th
- Wednesday, July 23: Benefits for those with birthdays between the 21st and 31st
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How Much Is Social Security?
The average retired worker benefit in May 2025 was $2,002.39, according to the SSA, the first time it has breached the $2,000 mark. SSI payments in May averaged $718.30 for its 7.4 million recipients.
"The average Social Security benefit amount changes monthly," an SSA spokesperson told Newsweek. "Social Security benefits are based on a worker's highest 35 years of earnings. As wages tend to rise over time, each new group of retirees raises the average benefit amount, since their benefit calculations typically reflect higher earnings."
While this is the average benefit, individual payments can vary. Social Security retirement benefits are calculated using your highest 35 years of earnings, adjusted for inflation.
In 2025, retiring at the full retirement age of 67 allows for a maximum monthly benefit of $4,018. Claiming benefits early at age 62 reduces the maximum to $2,831, while delaying retirement until age 70 can increase the maximum to $5,108.
Upcoming Social Security Changes
Nearly 500,000 beneficiaries still receive their benefits by paper check, but this is subject to change in the coming months.
Due to an executive order signed by President Donald Trump back in March, "Modernizing Payments To and From America's Bank Account," all federal payments—including Social Security, SSI, SSDI, vendor payments, and tax refunds—must be made electronically starting after September 30, 2025.
According to the SSA, 493,775 remittances were and still are being made via physical check this month, across the 50 states and U.S. territories—8.7 percent of all benefit payments.
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