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Millions of Americans rely on Social Security Disability Insurance (SSDI) to manage daily expenses. For those enrolled in SSDI, July 2025 brings four separate payment dates, based on the recipient’s birthdate.
The next major deposit is coming this Wednesday, July 16, marking the second round of SSDI direct deposits for the month. If you’re wondering whether your payment is arriving this week, you’ve come to the right place.
In this guide, we’ll break down who qualifies for the July 16 SSDI payment, how much you may receive, and what to do if you haven’t seen your deposit.
Understanding SSDI Payment Schedule for July 2025
The Social Security Administration (SSA) does not issue all SSDI payments on the same day. Instead, it divides them based on the recipient’s date of birth, distributing benefits on four separate dates throughout the month.
SSDI Payment Schedule – July 2025
| Birth Date Range | Payment Date |
|---|---|
| Any date (SSI/SSDI combo) | July 3, 2025 |
| 1st–10th of the month | July 9, 2025 |
| 11th–20th of the month | July 16, 2025 |
| 21st–31st of the month | July 23, 2025 |
So, if your birthday falls between the 11th and 20th, you’re part of the second round of SSDI payments, and your direct deposit of approximately $1,581 is coming this Wednesday.
Who Doesn’t Qualify for the July 16 Payment?
Not everyone on SSDI qualifies for this Wednesday’s deposit.
You won’t receive a July 16 payment if:
- You receive both SSI and SSDI, as your deposit was sent on July 3
- Your birthday falls between 1st–10th (paid on July 9)
- Your birthday falls between 21st–31st (you’ll be paid on July 23)
Keep in mind that SSDI-only recipients follow this birthday-based schedule, while those with combined benefits follow a separate calendar.
How Much Will You Get? Average SSDI Benefits
According to the SSA’s latest Monthly Statistical Snapshot, the average SSDI benefit as of May 2025 is $1,439.97. However, this includes a mix of recipients — disabled workers, children, and spouses.
For workers with disabilities only, the average SSDI payment is $1,581 per month.
Average SSDI Monthly Payments by Recipient Type:
| Recipient Type | Average Monthly Benefit |
|---|---|
| Workers with disabilities | $1,581 |
| Children of disabled workers | $512 |
| Spouses of disabled workers | $440 |
If you’ve paid into Social Security long enough and earned a high enough wage, you could receive up to $4,018 per month, which is the maximum SSDI benefit in 2025.
How to Confirm Your Payment
To check if your payment is due on July 16, follow these steps:
- Confirm your birthday falls between July 11–20
- Ensure you receive SSDI only (not combined with SSI)
- Log into your My Social Security account on ssa.gov to check your payment schedule
- Monitor your bank account or Direct Express card on payment day
Direct deposits usually arrive by noon, but depending on your bank, they may be processed a bit earlier or later.
Can You Receive More Than $1,581?
Yes, but only under specific conditions. To earn more than the average SSDI payment:
- You must have worked consistently for many years
- You need to have paid higher Social Security taxes
- You must have claimed SSDI at the right time
The maximum SSDI monthly payment in 2025 is $4,018, though most people receive less.
Upcoming SSDI Payment Dates for August 2025
Looking ahead, here’s when you can expect your payments next month:
| Birth Date Range | August 2025 Payment Date |
|---|---|
| 1st–10th | August 13, 2025 |
| 11th–20th | August 20, 2025 |
| 21st–31st | August 27, 2025 |
This system keeps SSDI payment schedules predictable and consistent, based on birthdate.
If your birthday falls between July 11 and 20, get ready — your second SSDI direct deposit of approximately $1,581 is arriving this Wednesday, July 16, 2025.
These monthly payments are vital for millions of Americans living with disabilities, helping them cover everyday costs like rent, food, and healthcare.
Make sure your banking details are up to date, keep an eye on your account, and check SSA notifications for any changes. If you don’t receive your payment on time, contact the SSA immediately.
FAQs
Who gets SSDI payments on July 16, 2025?
Recipients with birthdays between July 11 and 20 who receive SSDI only (not SSI) will be paid on Wednesday, July 16.
How much is the average SSDI payment in 2025?
The average monthly SSDI payment for workers with disabilities is $1,581. Some receive more depending on work history.
What if I didn’t receive my SSDI payment?
If your payment is delayed or missing, contact the Social Security Administration or check your My Social Security account for updates.