Annie
Lately, social media posts and financial blogs have spread excitement about a $16,728 direct payment supposedly landing in Americans’ accounts this July 2025.
Many are wondering if the IRS is sending out a new round of economic relief or tax refunds. But before you start checking your bank account, let’s explore what’s actually going on.
The $16,728 Social Security Buzz — Fact or Fiction?
The figure $16,728 stems not from any IRS benefit, but rather from Social Security optimization strategies.
Financial planners use this number to demonstrate how delaying Social Security benefits until age 70—rather than claiming them early at 62—can result in up to $16,728 more per year in retirement benefits.
Important Note:
This is not a one-time check from the government. The increase is spread across monthly Social Security payments, not a lump sum deposited in July 2025.
What’s Really Coming from the IRS in July 2025?
While there’s no secret stimulus payment, there are genuine IRS payments scheduled for eligible Americans this month.
Confirmed IRS Payments in July 2025
| Payment Type | Eligible Recipients | Payment Window | Amount/Details |
|---|---|---|---|
| 2024 Tax Refunds | Taxpayers who filed after April | July 4 – July 17 (e-file) | Average refund: $2,852 |
| July 11 – July 24 (paper) | |||
| Interest on Delayed Refunds | Refunds issued after 45+ days | Throughout July | Calculated at 7% annual interest rate |
| Recovery Rebate Credit | Late stimulus filers (2021–2022) | With 2024 refund | Varies based on filing details |
| Clean-Energy Refunds | Nonprofits and qualifying businesses | July 2025 and beyond | Applies under Inflation Reduction Act |
How to Check Your Refund Status
If you’re still unsure whether you’re receiving any payment, use the IRS “Where’s My Refund?” tool or the IRS2Go mobile app. These are the official methods to verify your refund or credit status.
How to Legally Increase Your Social Security Benefits
Though no surprise windfall is arriving, there are legitimate strategies to maximize your Social Security income:
1. Log at Least 35 Years of Earnings
Your benefit is calculated using your highest 35 years of income. Fewer years mean zeros in the calculation, which can lower your monthly check.
2. Earn More in Later Years
Higher income in your later working years may replace earlier low-earning years in the benefit calculation, increasing your check.
3. Delay Claiming
Waiting until age 70 to claim benefits can boost your monthly payout by up to 8% per year beyond full retirement age.
4. File Strategically with a Spouse
Couples can benefit by coordinating claims to increase spousal or survivor benefits.
5. Avoid Higher Taxes on Benefits
If your combined income is too high, up to 85% of your benefits may be taxed. Keep taxable income below the threshold to retain more benefits.
While the $16,728 payment circulating online has sparked hope, it’s not a direct or one-time payment from the IRS.
Instead, it reflects potential annual gains for those who delay Social Security. However, there are real IRS payments and credits being issued in July 2025, such as tax refunds and recovery rebates.
To make the most of your benefits, stay informed and take legal steps to enhance your financial future.
FAQs
Is the IRS really sending out a $16,728 payment in July 2025?
No, this number reflects a Social Security benefit increase over time for those who delay retirement, not a direct IRS payment.
How can I check if I’m receiving a payment in July 2025?
You can use the IRS “Where’s My Refund?” tool or contact a certified tax professional for personalized information.
What are the ways to increase my Social Security benefits legally?
Work at least 35 years, increase late-career earnings, delay claiming, and coordinate with a spouse to optimize your benefits.