Social Security payments: If you’ve been receiving Social Security payments in 2025, you’ve likely noticed a few major changes—some good, some not so much. For those born between the 1st and 10th of any month, July brought an early payout, but also a bit of a shock. The much-discussed $3,089 monthly average, especially for couples, no longer applies to this group for the remainder of July. That’s right—Social Security payments for early-month birthdays have already been processed, and the system is now shifting focus to those born later in the month.
This shift raises some important questions: When will the next checks be delivered? Who exactly is affected? What updates in 2025 do you need to stay on top of to ensure you’re not caught off guard next month? If you’re confused by recent SSA policies or just want to double-check your eligibility and payment schedule, this guide is here to help.
Social Security Payments: July 2025 Payouts, Adjustments, and What’s Changing
The Social Security payments schedule for July 2025 follows the standard staggered structure set by the Social Security Administration (SSA), based on recipients’ birth dates. If you were born between the 1st and 10th, your payment was issued on July 9. Those with birthdays from the 11th to 20th will receive theirs on July 16, while individuals born between the 21st and 31st should expect their deposit on July 23. While the timing may be predictable, 2025 has introduced some important updates beneficiaries should not ignore—including the 2.5% COLA (Cost-of-Living Adjustment) increase, a planned phase-out of paper checks, and new identity verification rules that could affect how and when your Social Security payments are processed. Here’s a full breakdown of what’s changing and how to stay on track.
Overview Table: Social Security Payment Schedule & Key Details
| Detail | Information |
| Payment Dates | July 16 (birthdays 11–20), July 23 (birthdays 21–31) |
| First Round Sent | July 9 (birthdays 1–10) |
| SSI-Only Beneficiaries Paid | July 1 |
| Combined SSI + Social Security Paid | July 3 |
| Average Payment (Individual) | $1,976/month (after COLA) |
| Average Payment (Couples) | $3,089/month |
| COLA Increase | 2.5% for 2025 |
| Paper Checks End | September 2025 |
| Overpayment Recovery Restarted | April 2025 |
| New In-Person ID Verification | Started April 14, 2025 |
Who Will Get the Upcoming Payments?
The next round of Social Security payments is headed to beneficiaries born between July 11 and July 20, with checks scheduled to be sent on Wednesday, July 16, 2025. If you were born between July 21 and July 31, your check will be delivered on Wednesday, July 23.
This staggered payout model is designed to keep the SSA’s massive distribution system efficient. But it also means recipients need to pay close attention to their birth date to know exactly when to expect their deposit. Already received your check earlier in the month? Then you’re in the clear for now—but be sure you’re ready for the upcoming policy updates that may impact your payments starting in September.
Goodbye to Retirement at 67 – the new age for collecting Social Security changes everything in the United States
There’s growing national conversation around shifting the full retirement age beyond 67. While nothing is officially changed yet, the debate is gaining traction among policymakers. Why does this matter? Because adjusting the full retirement age can affect how much you’ll receive in Social Security payments long term.
If you’re nearing retirement or planning when to start benefits, keep an eye on this trend. Any policy shifts could reduce your monthly payout if you claim early, or increase it if you delay. This is especially important for younger workers who might see changes in eligibility over the next few years.
Important Reminder: Phasing Out of Paper Checks
Still getting a paper check? That’s about to change. The SSA has confirmed that all paper checks will stop by September 2025. From October onward, you’ll need to receive your Social Security payments via direct deposit or the Direct Express debit card.
Making the switch is easy—just log into your my Social Security account or call your local SSA office. Waiting until the last minute could delay your payments, so if you haven’t updated your information yet, now’s the time.
Remaining Social Security Payment Dates in July
Here’s a quick recap of July’s remaining Social Security payments schedule:
- Wednesday, July 16 – For birthdays between the 11th and 20th
- Wednesday, July 23 – For birthdays between the 21st and 31st
If you haven’t seen your check yet and your birthday falls into one of these windows, make sure your account and direct deposit info are current. The easiest way to double-check is by visiting www.ssa.gov/myaccount.
Key Changes to Social Security in 2025
A few big updates have rolled out this year. If you’re receiving benefits, make sure you’re aware of these:
1. Overpayment Recovery Resumed
Since April 2025, the SSA has restarted overpayment collections. If you owe money to the SSA, they can withhold up to 100% of your benefit until the debt is repaid. You can appeal this or apply for a lower repayment amount if you’re in financial hardship.
2. New In-Person Identity Verification
As of April 14, 2025, anyone applying for benefits or making big account changes must complete an in-person identity check. This is part of a broader SSA effort to fight fraud and secure your account.
3. Stay Current with Your SSA Account
Update your personal and banking information regularly to ensure no disruption to your Social Security payments. Use the SSA portal to view statements, update details, and more.
How to Contact the SSA
Need help with your account, payments, or documentation? Here’s how to reach the Social Security Administration:
- Call: 1-800-772-1213 (Mon–Fri, 8:00 AM to 7:00 PM)
- TTY Line: 1-800-325-0778 (for hearing-impaired users)
- Visit: www.ssa.gov
- Local Offices: Use the SSA office locator to book appointments or get in-person help
FAQs
Q1. When will I receive my Social Security payment this month?
If your birthday is between the 11th and 20th, you’ll get paid on July 16. For birthdays from the 21st to 31st, the payment will be sent on July 23.
Q2. How much is the average Social Security payment in 2025?
Due to the 2.5% COLA increase, individuals receive an average of $1,976, and couples get about $3,089 monthly.
Q3. Will I still receive a paper check after September?
No, paper checks are ending. You must switch to direct deposit or the Direct Express card by September 2025 to avoid interruptions.
Q4. What if I owe money to SSA?
The SSA may withhold your entire monthly check to recover the debt. You can request a reduced repayment or hardship waiver if necessary.
Q5. What’s the easiest way to manage my Social Security account?
Sign up or log in to my Social Security at www.ssa.gov/myaccount to update personal info, view benefits, and more.
Final Thoughts
Whether you’re receiving your first benefit or have been collecting for years, staying informed about Social Security payments is more important than ever in 2025. With the transition away from paper checks, resumed debt recovery, and changing policies on retirement age, now’s the time to take action. Double-check your payment schedule, update your account, and switch to a secure payment method before it’s too late.
The next checks arrive in just five days, so don’t wait. Share this article with fellow beneficiaries and make sure your loved ones are prepared for what’s ahead.
