Social Security beneficiaries can expect their monthly payments on July 9, 2025, with a significant 2.5% increase in the cost-of-living adjustment (COLA).
If your birthdate falls between July 1 and 10, your payment will be processed on Wednesday, July 9. This change will result in higher-than-usual payments for most individuals.
Payment Schedule for Social Security Beneficiaries
The Social Security Administration (SSA) has set the following payment schedule for July 2025:
- Born between July 1 and 10: Payments on July 9.
- Born between July 11 and 20: Payments on July 16.
- Born between July 21 and 31: Payments on July 23.
For those receiving both Social Security and SSI or those who started receiving benefits before May 1997, payments were already processed on July 3.
Impact of the 2.5% COLA Increase
The 2.5% COLA increase means that retirees and disability recipients will see an increase in their payments. Here are the updated figures:
- Early Retirement (age 62): Payments can go up to $2,572 per month.
- Full Retirement Age (age 67): Payments can reach $4,018 per month.
- Postponed Retirement (age 70): The maximum payment can be as high as $5,108 per month.
To qualify for the maximum payment, you must have worked for 35 years with earnings at the tax limit and delayed retirement until age 70.
What to Do If Your Payment Doesn’t Arrive
If your Social Security payment does not show up on the expected date, follow these steps:
- Check Your Bank Account: Verify that the deposit has been made.
- Wait 3 Business Days: There could be delays with the bank, so allow time for processing.
- Contact SSA: If the payment still hasn’t appeared after four days, contact your bank. If needed, reach out to the SSA at 1-800-772-1213.
Summary of Social Security Payment Dates for July 2025
- July 9: Payment for individuals born between July 1 and 10.
- July 16: Payment for individuals born between July 11 and 20.
- July 23: Payment for individuals born between July 21 and 31.
- July 3: Payments for those receiving both Social Security and SSI or those who began before May 1997.
The July 2025 Social Security payments reflect a 2.5% COLA increase, providing beneficiaries with higher payments. Ensure that you check the schedule for your payment date, and if there are any issues with your deposit, follow the proper steps to resolve them.
FAQs
How much will my Social Security payment increase in July 2025?
The COLA increase of 2.5% will result in higher monthly payments, depending on your retirement age and work history. Payments can range from $2,572 for early retirees to $5,108 for those who delay until age 70.
When will I receive my Social Security payment if I was born between July 1 and 10?
If your birthdate falls between July 1 and 10, your Social Security payment will be made on July 9, 2025.
What should I do if I don’t receive my Social Security payment on time?
If your payment hasn’t been deposited on the expected date, wait 3 business days to account for potential bank delays. If it still hasn’t arrived, contact your bank and then the SSA at 1-800-772-1213.