Millions of Americans are counting down the days to the next Social Security payment, which is scheduled for Wednesday, July 16, 2025.
If you’re a beneficiary receiving retirement, disability (SSDI), or Supplemental Security Income (SSI), it’s crucial to check whether your payment falls on this date.
This article breaks down who is eligible, how payment dates are determined, what to do if you don’t receive your payment on time, and how much you could expect to receive.
Who Will Receive Social Security on July 16?
According to the Social Security Administration’s (SSA) 2025 payment calendar, July 16 corresponds to the third Wednesday of the month. This is significant for a specific group of beneficiaries.
You will receive your payment on Wednesday, July 16, 2025 if:
- You receive Social Security benefits (retirement, disability, survivors, etc.)
- Your birthday falls between the 11th and 20th of any month
- You began receiving benefits after May 1997
Payments will be sent via direct deposit to your registered bank account or to your Direct Express debit card.
How the Social Security Payment Schedule Works
The SSA issues payments based on your date of birth and when you started receiving benefits. The monthly schedule is divided into the following groups:
| Date of Birth | Payment Date in July 2025 |
|---|---|
| 1st – 10th | Wednesday, July 9, 2025 |
| 11th – 20th | Wednesday, July 16, 2025 |
| 21st – 31st | Wednesday, July 23, 2025 |
| SSI or pre-May 1997 start | Monday, July 1, 2025 (SSI) |
If you’re not sure which group you belong to, simply match your birth date and start date with the table above.
How Much Will You Receive?
Your Social Security payment amount depends on a variety of factors including your work history, average indexed monthly earnings, and type of benefit.
Here are the average monthly payments for 2025:
| Benefit Type | Average Monthly Amount |
|---|---|
| Retired Worker | $1,900 |
| Disabled Worker (SSDI) | $1,500 |
| SSI Individual Payment | $943 |
| SSI Couple Payment | $1,415 |
A 3.2% Cost-of-Living Adjustment (COLA) was applied in January 2025, which slightly boosted all benefit amounts across the board.
What to Do If You Don’t Receive Your Payment
If you’re expecting your payment on July 16, 2025, but it doesn’t show up:
- Wait at least 3 business days before taking action.
- Contact your bank to check for any deposit errors.
- Log into your SSA online account to confirm your payment status.
- Call the SSA directly at 1-800-772-1213 (TTY: 1-800-325-0778) for assistance.
Delays can occasionally happen due to bank processing issues, incorrect account details, or federal holidays, but these are rare.
Tips to Stay On Top of Your Social Security Payments
To avoid confusion or missed payments:
- Create an online SSA account to track your benefit status and receive updates.
- Keep your banking and mailing information up to date with the SSA.
- Review the full payment schedule every January or before new benefit year changes.
- Enable direct deposit, which is faster and more reliable than mailed checks.
Being proactive about your Social Security status can help ensure you never miss a payment or fall behind on critical income.
Confirm If You’re On the List for July 16
If the following apply to you, then yes, you are scheduled for the July 16, 2025 Social Security payment:
- You receive SSA retirement, SSDI, or survivor benefits
- You were born between the 11th and 20th of the month
- You started receiving benefits after May 1997
Make sure to check your account and prepare accordingly. This payment is essential for many households, so staying informed helps avoid financial disruption.
With the July 16, 2025 Social Security payment date quickly approaching, it’s important for eligible beneficiaries to stay alert and prepared. If you were born between the 11th and 20th and began receiving benefits after May 1997, this is your scheduled payment.
Whether you’re receiving retirement, SSDI, or SSI, keeping your information up to date and knowing what to expect ensures a smooth and timely payment. Stay on top of your benefits, and don’t let missed payments catch you off guard.
FAQs
Who gets paid Social Security on July 16, 2025?
People receiving SSA benefits who were born between the 11th and 20th of any month and began receiving payments after May 1997 will get paid on this date.
What should I do if I don’t receive my payment?
Wait 3 business days, check with your bank, log into your SSA account, and if needed, call the SSA at 1-800-772-1213.
How much will I get in my Social Security check?
It depends on your benefit type. On average, retirees receive $1,900, SSDI recipients get $1,500, and SSI individuals receive about $943 monthly.