Bigger checks, strict dates, and what every retiree should know before Wednesday arrives.
If your birthday falls between July 1 and July 10, the Social Security Administration (SSA) is lining up your July payment for Wednesday, July 9, 2025. Thanks to this year’s 2.5 percent cost‑of‑living adjustment (COLA), the deposit will look a little healthier—yet there are caps and deadlines you can’t ignore.
The essential takeaway: most retired workers will see an average July payment of about $1,976, but the final figure depends on age at filing and lifetime earnings. Curious what the upper limits are? Let’s break it down.
Payment schedule for every birthdate group receiving Social Security in July 2025
First, mark your calendar—missing the right window could trigger unwanted delays.
- July 1 (early morning): Supplemental Security Income (SSI) only
- July 3: Combined SSA + SSI recipients or anyone who started benefits before May 1997
- July 9: Birthdays on the 1st through 10th (that’s the group in focus today)
- July 16: Birthdays on the 11th through 20th
- July 23: Birthdays on the 21st through 31st
Did your date land elsewhere? Double‑check the list above to be sure. Waiting three business days after your scheduled date is key before sounding the alarm with your bank or the SSA.
How the 2.5 percent COLA boost changes monthly checks this year
That modest COLA bump adds real dollars, especially for those at the top of the benefit ladder. Here’s a quick look:
| Age when you claimed | Maximum monthly benefit in 2025* |
|---|---|
| Early retirement at 62 | $2,831 |
| Full retirement at 67 | $4,018 |
| Delayed to 70 | $5,108 |
*Figures assume 35 years of work at or near the taxable‑maximum earnings level before claiming.
Remember, these are ceilings. Most retirees receive less, while the average check hovers just under two‑thousand dollars. Still, a couple of extra percentage points can cover groceries, utilities, or—why not?—a summer weekend getaway.
Steps to follow if your July 9 Social Security deposit does not arrive
Picture this: it’s Friday, July 11, and your bank balance hasn’t budged. What now?
- Verify the account number and pending transactions in your online banking portal.
- Wait through Monday—three full business days often clear bank backlogs.
- Still nothing? Call your bank first; sometimes the hold is on their end.
- If the deposit is truly missing, reach the SSA at 1‑800‑772‑1213 or log in to your my Social Security account to report the issue.
A quick tip: setting up text or email alerts in the portal can give you peace of mind long before payday.
With a 2.5 percent COLA in place, retirees born in the first ten days of any month can expect their boosted July benefit on Wednesday, July 9, 2025—averaging $1,976 and topping out at $5,108 for those who delayed until age 70. Keep an eye on the schedule, use the SSA portal for updates, and act promptly if your money goes missing. After all, you earned every penny.