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If you’re a Social Security recipient born between the 11th and 20th of any month, mark your calendar—the next benefit payment is arriving on July 16, 2025.
Beneficiaries born between the 1st and 10th have already received their checks, which included the 2025 COLA-adjusted payments, with some couples receiving as much as $3,089.
With two remaining rounds of payments set for July, it’s critical to stay informed about your deposit schedule, eligibility, and upcoming changes to Social Security that may affect how and when you get paid.
Who Got Paid Already and Who’s Next?
The Social Security Administration (SSA) distributes monthly benefits based on your birth date, not the date you filed or were approved. Here’s how July 2025 payouts are structured:
| Birthday Range | Payment Date |
|---|---|
| 1st – 10th | July 9, 2025 |
| 11th – 20th | July 16, 2025 |
| 21st – 31st | July 23, 2025 |
| SSI recipients only | July 1, 2025 |
| Pre-May 1997 retirees | July 3, 2025 |
If you’re still waiting for your payment, check your My Social Security account or ensure your banking information is up to date to avoid delays.
How Much Are Social Security Payments in 2025?
Thanks to a 2.5% COLA (Cost of Living Adjustment) that took effect in January 2025, monthly benefits increased across the board.
| Category | Average Monthly Benefit |
|---|---|
| Individual Retirees | $1,976 |
| Retired Couples (combined) | $3,089 |
| SSI Recipients | Varies based on income/assets |
This increase helps offset inflation and rising costs, particularly for food, healthcare, and housing.
Major Changes to Social Security in 2025
1. End of Paper Checks – September 2025
If you’re still receiving paper checks, the SSA has announced they will be phased out by September 2025. All recipients must switch to:
- Direct Deposit, or
- The Direct Express® Debit Mastercard®
2. Overpayment Recovery Resumed
As of April 2025, the SSA resumed full collection of overpaid benefits. This may result in:
- Partial or full deductions from monthly benefits
- Notices requiring repayment
You can request waivers or payment plans if affected.
3. New In-Person Identity Verification
New applicants or those making major account updates must complete in-person verification at a local SSA office. This process started April 14, 2025, to help combat fraud and identity theft.
How to Prepare for Upcoming Payments
To ensure you don’t miss any future payments:
- Log into your SSA online account to check your next payment date.
- Update banking info to avoid delays.
- Switch to direct deposit or Direct Express before September.
- Monitor for any notices about overpayment recovery or benefit adjustments.
The $3,089 Social Security payments for early July recipients have been issued. But for those born between July 11th and 31st, your checks are just around the corner.
With upcoming changes like the end of paper checks and stricter verification, it’s more important than ever to stay informed and proactive.
Whether you’re receiving $1,976 as an individual or $3,089 as a couple, staying updated ensures your benefits continue without delay. Mark your calendar for July 16 or July 23, and keep your SSA details accurate.
FAQs
When will I receive my July 2025 Social Security payment?
If your birthday is between 11th–20th, you’ll receive it on July 16. Birthdays between 21st–31st get paid on July 23.
What is the average Social Security payment in 2025?
The average payment is $1,976 for individuals and $3,089 for couples, thanks to a 2.5% COLA increase.
When will paper checks stop being issued?
Paper checks will end in September 2025. All beneficiaries must switch to direct deposit or the Direct Express® card by then.