Social Security has long been a lifeline for retirees, covering everything from groceries to medical bills. However, this year, many beneficiaries face a big change that could disrupt the reliability they’ve come to rely on.
If you’re one of the remaining half-million Americans still receiving paper checks, there’s a deadline approaching that could affect your monthly payment. Here’s everything you need to know to stay on top of your benefits and avoid any interruptions.
July Social Security Payment Schedule
To keep things running smoothly, it’s important to stay updated on the payment schedule. Here’s a look at when you can expect your July payments:
July 9th: Payments for beneficiaries born between the 1st and 10th.
July 16th: Payments for those born between the 11th and 20th.
July 23rd: Payments for those born from the 21st to the 31st.
For those using direct deposit, payments typically arrive by 9 a.m. local time. If you’re receiving paper checks, please note that mail delivery could take 1-3 days.
The Paper Check Deadline: What You Need to Know
Starting September 30, 2025, the Social Security Administration (SSA) will permanently stop sending paper checks.
This move aims to reduce fraud (which costs over $100 million annually), eliminate mail delays, and save on printing and postage costs. For those who still receive paper checks, this is a crucial change, as 456,000 Americans have yet to switch to electronic payments.
If you haven’t made the switch, your payments will stop on that date. Don’t worry—making the switch is easy, and it only takes a few simple steps to keep your benefits flowing.
Three Simple Steps to Secure Your Benefits
1. Set Up Direct Deposit (Takes 5 Minutes):
To set up direct deposit, log into your “My Social Security” account at ssa.gov/myaccount, go to “Payment Options”, and add your bank details. If you prefer phone assistance, call 1-800-772-1213 (TTY: 1-800-325-0778). Most updates are processed within one business day.
2. Don’t Have a Bank Account? Try Direct Express:
For those who don’t have a bank account, the SSA offers the Direct Express card. This government-issued debit card doesn’t require a credit check or minimum balance. You can enroll:
Online via “My Social Security”
By phone at 1-800-333-1795
By mailing Form SSA-1199A (available on ssa.gov)
3. Verify Your Identity:
If it’s been a while since you updated your details, make sure to verify your identity to avoid any issues with your payment. You can either visit a local SSA office with your ID or verify online through your “My Social Security” account.
Why Electronic Payments Are the Way to Go
Making the switch to electronic payments has several benefits:
Security: No more worrying about stolen checks or mail delays due to weather or other issues.
Speed: Payments arrive on time, by 9 a.m. local time on payment days, eliminating the need to go to the bank.
Control: You can track your payments instantly online or through mobile alerts.
Eco-Friendly: It helps reduce paper waste and your carbon footprint.
Don’t Wait—Make the Switch Today
The deadline is still a little over a year away, but don’t wait until the last minute. I’ve heard too many stories of seniors who faced unnecessary stress simply because they delayed this easy task.
If you know someone who still relies on paper checks—whether it’s a parent, neighbor, or friend—make sure they know about this change. Offer to help them set up electronic payments. Don’t let this important deadline slip by. Protect your benefits now and enjoy peace of mind.
Visit ssa.gov/deposit or call 1-800-772-1213 today. Let’s keep your Social Security benefits secure and uninterrupted.
