As July begins, millions of Americans who depend on Social Security benefits are checking their bank accounts for their monthly payments. While Wednesday, July 9, 2025, is an important date for some, most beneficiaries will not receive their money on that day. That’s because the Social Security Administration (SSA) uses a staggered payment system, designed to keep things running smoothly and avoid delays.
This system isn’t random. The date you get paid depends mainly on two things: the type of benefit you receive and your birth date. Understanding this schedule is important so you’re not left wondering when your money will come.
Who Already Got Their Payment This Month?
Some people already received their Social Security payments earlier this month, on Thursday, July 3, 2025. This group includes:
People who started receiving benefits before May 1997
SSI (Supplemental Security Income) recipients who also get Social Security retirement, disability (SSDI), or survivor benefits
These individuals always receive their money on the 3rd of the month, unless it falls on a weekend or public holiday, in which case it’s paid a little earlier.
Who Will NOT Get Paid on July 9?
Even though July 9 is the next payment date, most Social Security recipients will not get their money on that day. That’s because their birthdays fall later in the month, so their payments are scheduled for later in July.
If your birthday is between:
11th and 20th – your payment will come on Wednesday, July 16, 2025
21st and 31st – your payment will arrive on Wednesday, July 23, 2025
So if your birthday falls in these date ranges, your money is still on the way—just not this week.
Who Will Receive Their Social Security Payment on July 9?
If your birthday is between the 1st and 10th of any month, and you started receiving benefits after May 1997, you’ll receive your Social Security payment on Wednesday, July 9, 2025.
This group is part of the SSA’s birthday-based payment schedule, which spreads out payments across the month to reduce system overload and make banking smoother for everyone.
How Much Can You Expect From Social Security in 2025?
The amount you receive depends on the type of benefit and your personal earnings history. Below are the average monthly payments for 2025:
Retirees: Around $2,002.39 per month
People with disabilities (SSDI): Approximately $1,581.97
Survivor beneficiaries: Around $1,566.66
SSI recipients: On average, $718.30 per month
Remember, these are average figures. Some may receive more or less based on their work history and total Social Security contributions.
How the SSA Payment System Works
To avoid confusion, here’s a quick overview of how the SSA schedules payments:
Before May 1997: Paid on the 3rd of each month
SSI Only: Paid on the 1st of each month
SSI + SSDI/Retirement: Also paid on the 3rd
SS benefits after May 1997: Paid according to your birth date
1st–10th: Second Wednesday
11th–20th: Third Wednesday
21st–31st: Fourth Wednesday
This organised system helps prevent payment traffic jams and ensures money reaches recipients on time.
If you didn’t get your Social Security payment on July 9, 2025, don’t worry—it’s probably just not your scheduled date. Payments are sent throughout the month, depending on your birthdate and the type of benefit you receive. Knowing the schedule in advance can help you plan your budget and avoid unnecessary stress.
If you’re still unsure, log in to your “my Social Security” account on ssa.gov to check your payment status, view past deposits, and get estimated future payments. Or, if you prefer speaking to someone, you can call SSA at 1-800-772-1213.
