Jenny
On July 9, 2025, a significant number of Social Security beneficiaries will receive their monthly payments. These payments include both retirement and disability benefits.
If you were born between July 1 and July 10, your payment will be deposited on this date.
Thanks to a 2.5% cost-of-living adjustment (COLA), many recipients will notice an increase in their payment amounts compared to previous months.
Eligibility and Criteria for Social Security Payments
Payment Dates Based on Birth Dates
The Social Security Administration (SSA) has set the following payment schedule for July 2025:
- Born between the 1st and 10th: Your payment will be issued on July 9.
- Born between the 11th and 20th: Your payment will be deposited on July 16.
- Born between the 21st and 31st: Your payment will be available on July 23.
If you are among the beneficiaries who also receive Supplemental Security Income (SSI) or were enrolled in Social Security before May 1997, your payment was already issued on July 3.
COLA Increase and Payment Adjustments
The 2.5% COLA increase applies to all Social Security recipients, leading to higher-than-average payments. Here are the new payment thresholds after the adjustment:
- Early retirement (age 62): Up to $2,831 per month.
- Full retirement age (age 67): Up to $4,018 per month.
- Postponed retirement (age 70): Up to $5,108 per month.
The $5,108 cap is achievable only by those who have worked for 35 years with the maximum taxable income and delayed their retirement until age 70.
What to Do if Your Payment is Missing
If you do not see your Social Security deposit on the expected date, follow these steps:
- Check Your Bank Account: First, confirm whether the deposit has been made to your account.
- Wait for Delays: If your payment has not arrived by the expected date, allow for up to three business days due to potential banking delays.
- Take Further Action: If your payment still has not appeared after four days, contact your bank and then reach out to the SSA at 1-800-772-1213 for further assistance.
If you were born between July 1 and 10, your Social Security payment on July 9 will be approximately $1,976 on average, but may reach the $5,108 cap if you delayed retirement. Remember, if you also receive SSI or started before 1997, your payment was already processed on July 3.
For many beneficiaries, the July 9, 2025 deposit represents the beginning of a new month’s payment cycle. With the 2.5% COLA adjustment, recipients can expect a higher payment than usual, particularly those who delayed retirement. If your payment does not arrive as expected, allow for possible delays and contact your bank or the SSA as necessary.
FAQs
What is the COLA increase for Social Security in 2025?
The COLA increase for 2025 is 2.5%, resulting in higher payments for retirees and disability beneficiaries.
How do I know when my Social Security payment will arrive?
Your payment date depends on your birthdate:
- Born between 1-10: July 9, 2025
- Born between 11-20: July 16, 2025
- Born between 21-31: July 23, 2025
What should I do if my Social Security payment doesn’t show up?
If your payment doesn’t appear, wait three business days for possible delays. After four days, contact your bank and then the SSA at 1-800-772-1213.