With June’s Social Security and SSI direct deposits already processed, millions of beneficiaries are eagerly awaiting their payments for July 2025. The first week of July brings two significant disbursements for eligible recipients: one for Supplemental Security Income (SSI) beneficiaries and the other for RSDI (Retirement, Survivor, and Disability Insurance) recipients. Here’s what you need to know about the payment schedules and eligibility.
SSI Payments: Starting July 1, 2025
The first direct deposit in July will be for SSI recipients. If you qualify for Supplemental Security Income, your payment will be issued on July 1, 2025. To be eligible, you must have applied for and been approved for this federal benefit, and you must still meet all the eligibility requirements. This will be the only payment day for SSI recipients in July.
RSDI Payments: July 3, 2025
For those receiving Retirement, Survivor, and Disability Insurance (RSDI) benefits, the next payment will be made on July 3, 2025. This includes retirees, SSDI (Social Security Disability Insurance), and Survivor beneficiaries.
The payment on July 3 applies to two main groups:
- Long-term Social Security recipients: If you have been collecting Social Security benefits for more than 28 years, your payment will be processed on this date. This applies to those who started receiving Social Security benefits before May 1997.
- SSI and Social Security combined recipients: If you filed after April 30, 1997, and are eligible for both Social Security and Supplemental Security Income, you will receive your SSI payment on July 1 and your Social Security payment on July 3, 2025.
The Social Security Administration (SSA) will also distribute three more payments for RSDI recipients throughout July, depending on your eligibility. These payments will occur on the second, third, or fourth Wednesday of the month.
Additional Social Security Payments: July 9, 16, and 23
For those who started receiving Social Security benefits after April 30, 1997, and do not qualify for SSI, your payment will be distributed based on your birthdate. Here’s the breakdown:
- July 9, 2025: If your birthday falls between the 1st and 10th of the month, you will receive your payment on this date.
- July 16, 2025: Recipients born between the 11th and 20th of the month will receive their payment here.
- July 23, 2025: Beneficiaries born from the 21st to the 31st will have their payment issued on this day.
Average Benefit Amounts
The average benefit amounts for Social Security recipients are as follows:
- Retirees: $2,002
- SSDI recipients: $1,581
- Survivors: $1,566
For SSI recipients, the average payment is about $718, with the maximum amount for an individual being $967. Married couples can receive up to $1,450. The maximum possible Social Security benefit, for someone who files at age 70, has worked for 35 years in covered jobs, and earned the maximum taxable income each year, can reach $5,108.
Conclusion
The July 2025 payment schedule for Social Security and SSI beneficiaries offers important dates to remember, depending on your eligibility. With several different paydays based on birthdates and whether you are receiving SSI in combination with Social Security, it’s essential to be aware of the specific disbursements. Make sure to check your eligibility and confirm your payment date to avoid any confusion.
FAQs
1. When will I receive my SSI payment in July 2025?
SSI payments will be issued on July 1, 2025, for eligible recipients.
2. What is the payment schedule for Social Security in July 2025?
Social Security payments will be distributed on July 3, July 9, July 16, and July 23, depending on your eligibility and birthdate.
3. How do I know if I will get my Social Security payment on July 3?
If you have been receiving Social Security for over 28 years or are eligible for both SSI and Social Security, you will receive your payment on July 3.
4. What is the maximum SSI benefit for individuals and couples?
The maximum SSI benefit for individuals is $967, and $1,450 for eligible married couples.
5. What is the highest Social Security payment possible?
The maximum Social Security benefit is $5,108 for those who file at age 70, have worked for 35 years in covered jobs, and earned the taxable maximum during that time.