Social Security beneficiaries can expect increased payments this July, thanks to a 2.5% Cost-of-Living Adjustment (COLA) implemented for 2025. On Wednesday, July 9, 2025, individuals who were born between the 1st and 10th of any month will receive their retirement or Social Security Disability Insurance (SSDI) payments.
This scheduled payment is part of the regular disbursement calendar from the Social Security Administration (SSA) and reflects adjustments to keep up with inflation and rising living costs.
Who Gets Paid on July 9, 2025?
The Social Security payment schedule is based on your birth date. Here’s how it works in July 2025:
Birth Date Range | Payment Date (July 2025) |
---|---|
1st – 10th | Wednesday, July 9 |
11th – 20th | Wednesday, July 16 |
21st – 31st | Wednesday, July 23 |
Additionally:
- SSI recipients received their checks on July 1, 2025
- Those who get both SSI and SSA, or who began collecting before May 1997, were paid on July 3, 2025
Updated Social Security Payment Amounts for 2025
Thanks to the 2.5% COLA, Social Security beneficiaries will notice a slight increase in their monthly benefit. The actual amount depends on retirement age, work history, and when benefits were claimed.
Retirement Age | Maximum Monthly Benefit in 2025 |
---|---|
Early Retirement (Age 62) | Up to $2,572 |
Full Retirement (Age 67) | Up to $4,018 |
Delayed Retirement (Age 70) | Up to $5,108 |
To qualify for the maximum payout, an individual must have:
- Worked for at least 35 years
- Earned at or above the Social Security taxable income limit for those years
- Delayed claiming benefits until age 70
What to Do If You Don’t Receive Your Payment on July 9
If your Social Security deposit doesn’t arrive on time:
- Check your bank account or payment app for pending transactions.
- Wait three business days, as banks may process with delays.
- Still missing?
- Contact your bank first.
- Then call the SSA at 1-800-772-1213.
- You can also log in to the my Social Security portal to check payment status or issues.
Key Tips for Beneficiaries
- Make sure your banking information is up to date with SSA to avoid missed payments.
- Consider signing up for direct deposit, which is faster and more secure than paper checks.
- Monitor SSA communications for future COLA increases and other benefit changes.
With the COLA increase of 2.5%, Social Security recipients will see larger checks in July 2025. Those born between the 1st and 10th should expect their payment on Wednesday, July 9. Depending on your retirement age and earnings history, you could receive up to $5,108 this month.
FAQs
Who is receiving Social Security payments on July 9, 2025?
Retirees or SSDI recipients born between the 1st and 10th of any month will receive their benefits on July 9.
How much did the COLA increase benefits in 2025?
Social Security payments rose by 2.5% in 2025 to help offset inflation and maintain purchasing power for beneficiaries.
What is the highest Social Security payment possible in 2025?
The maximum monthly benefit is $5,108, achievable if you delay retirement to age 70 and meet earnings criteria.