As July progresses, the Social Security Administration (SSA) has confirmed that only two more payments remain to be sent to eligible retirees across the United States.
Millions of Americans have already received their checks, but if you haven’t, you may be among the few who are still due for a direct deposit in the upcoming weeks.
Let’s break down who qualifies, the payment amounts, and what dates you should mark on your calendar.
Who Has Already Received Social Security in July 2025?
As of mid-July, two groups of retirees have already received their Social Security retirement benefits:
- Those who began receiving benefits before May 1997
- Those with birthdays from the 1st to the 10th of any month
These beneficiaries got their payments earlier in the month, following the standard SSA schedule based on the recipient’s birth date.
Remaining Social Security Payments in July 2025
The two remaining pay dates in July are July 16 and July 23. These are specifically for individuals who meet certain conditions, including their date of birth and whether they started receiving Social Security benefits after April 30, 1997.
| Payment Date | Birth Date Range | Eligibility Requirements |
|---|---|---|
| July 16, 2025 | 11th–20th of any month | Must have started receiving benefits after April 1997 and not receive SSI |
| July 23, 2025 | 21st–31st of any month | Same as above, but for a later birthdate group |
How Much Will You Receive?
According to the SSA 2025 COLA Fact Sheet, the average monthly Social Security benefit for retired individuals and couples is as follows:
- $2,002 – Average benefit for a single retired worker
- $3,089 – Average benefit for a married couple, both collecting retirement
These amounts reflect the 2.5% COLA increase applied earlier in 2025. The actual payment may vary based on your earnings record, retirement age, and other qualifying factors.
What If You’re Still Struggling Financially?
If your retirement benefit is below average, you may qualify for Supplemental Security Income (SSI). This federal benefit supports retirees with low income and limited resources.
Additionally, you may also explore eligibility for programs such as:
- TANF (Temporary Assistance for Needy Families)
- SNAP (Supplemental Nutrition Assistance Program)
- WIC (Women, Infants, and Children Program)
If you’re unsure, it’s highly recommended to speak with a benefits advisor or visit your local Social Security office to find out more.
With just two more Social Security payments left in July 2025, it’s crucial to understand your eligibility and when your check is expected. If your birthday falls between the 11th and 31st and you started receiving benefits after April 30, 1997, your payment is on the way—either July 16 or July 23.
And remember, if your current income doesn’t stretch far enough, explore SSI and other federal support programs to help ease financial pressure in retirement.
FAQs
What is the average Social Security retirement benefit in 2025?
The average payment is $2,002 for a single retired worker and $3,089 for a married couple receiving benefits.
How are July Social Security payments scheduled?
Payment dates are based on birthdays and whether you started receiving benefits before or after May 1997.
Can I get both Social Security and Supplemental Security Income (SSI)?
Yes, if your income and assets are within SSI limits, you can receive both Social Security retirement and SSI benefits.