July’s Social Security payments are here. Here’s the full payment schedule for the month.
With one round down and three more to go, Social Security recipients should be receiving their monthly payments soon. If you’re unsure when you’re supposed to be paid for the month of July, we have you covered below.
Social Security benefits are sent monthly to people who’ve applied for their retirement, survivor or disability benefits. The payments are sent in waves throughout the month. When you receive your Social Security check is determined by how long you’ve been receiving benefits, whether you receive additional government benefits or the day of the month you were born. Not sure when you should be receiving your payment? We break it down below.
Read on to find out how your payment date is determined, when you should receive your check, and the full payment schedule for the month of July. For more, don’t miss why paper Social Security checks will stop being sent out soon.
This is when you’ll receive your Social Security check
Want to know which day of the month you’ll receive your check? This is the Social Security and SSDI payment schedule for July.
Social Security payment schedule for July 2025
| If you have received Social Security since before May 1997 | July 3 |
|---|---|
| If your birthday falls between the 1st and 10th of any given month | July 9 |
| If your birthday falls between the 11th and 20th of any given month | July 16 |
| If your birthday falls between the 21st and 31st of any given month | July 23 |
How to determine your Social Security payment date
Social Security payments are typically paid out starting on the second Wednesday of the month. The remaining two payments will be paid out on the following two Wednesdays of the month. Which week you receive your payment depends on your birthdate. There is one big exception, which we’ll cover below.
| Birthdate between | Social Security check date |
|---|---|
| 1st and 10th | 2nd Wednesday of the month |
| 11th and 20th | 3rd Wednesday of the month |
| 21st and 31st | 4th Wednesday of the month |
Other federal benefits will not be sent the same day
If you’ve received Social Security benefits since before May 1997, or receive Social Security and Supplemental Security Income, your payment schedule isn’t determined by your birthdate. Instead, payments are paid out every month on the same date with a couple of exceptions. Social Security payments will be sent out on the third day of each month, while SSI payments are sent out on the 1st of each month.
These dates will sometimes change if the first or the third of the month falls on a weekend or holiday. For example, March 3 of last year fell on a weekend, so Social Security recipients received their March payments two days early, on March 1. The only benefits that are paid on the same schedule are Social Security and Social Security Disability Insurance.
Paper Social Security checks are going away soon
An executive order from the White House will end the use of paper Social Security checks on Sept. 30. This means all payments after that date will be sent digitally, including direct deposits, debit and credit cards, digital wallets and other real-time payment systems to reduce the overall cost of sending physical checks to beneficiaries.
The decision is not surprising when you consider that only 485,766 Social Security checks are mailed each month, which pales in comparison to the 68,104,184 direct deposit payments made each month. While this will undoubtedly be an adjustment period for those people who have been receiving physical checks, moving mailed benefits payments to digital forms will increase security. It’s important to note that some exclusions will be made for certain individuals.
A missing Social Security check? Try these steps
If your check fails to arrive when it’s supposed to or not at all, the Social Security Administration suggests waiting three additional mailing days before contacting it. After that, you can call the national toll-free number: 1-800-772-1213. The SSA notes that “wait times to speak to a representative are typically shorter in the morning, later in the week and later in the month.” If you’re having trouble reaching the SSA through the national number, you can use its office locator to find a local office.
For more, see how to apply for Social Security benefits for eligible children and how to apply for Social Security Disability Insurance.
