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What’s the Full Schedule for Social Security Benefits in July 2025

The SSA revealed the full schedule for retirement benefits, starting on July 3 for the first group: payments are as high as $5,108

by Carlos Benavides
02/07/2025 08:00
in Money
July's full schedule for retirees, SSI, and other recipients

July's full schedule for retirees, SSI, and other recipients

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For millions of retirees in the United States, July 2025 brings the reliable routine of Social Security payments. We’ve spoken with people who depend on this vital income to explain how this month works. The schedule is clear, but it varies. If you collect Supplemental Security Income (SSI), live abroad, have Medicare premiums covered by the state, or retired before 1997, your payment arrives on July 3 (or the business day before). For everyone else, it depends on their birthday.

For example, for beneficiaries with birthdates between the 1st and 10th of any month, the payment will fall on the second Wednesday, which is July 9. “Since my due date falls between the 11th and the 20th, I know my deposit will arrive promptly on the third Wednesday, July 16,” said Derek Fowler, a retired veteran who relies on Social Security for a living.

And for beneficiaries whose birthdays are 21st or later, the fourth Wednesday, July 23, is the date they’ll see the money deposited into their bank accounts. And those are the four dates the Social Security Administration (SSA) will send retirement benefits in the month of July.

How much should you expect on average from Social Security payments?

The most recent data (January 2025) show that the average benefit for individual retirees is $1,976 per month. This represents a 2.5% increase over the previous year, thanks to the cost-of-living adjustment (COLA).

For couples who both receive benefits, that combined average rises to $3,089 per month. These figures are the reality for most, although they don’t reflect the maximum potential.

The maximum possible benefit is a different story and depends crucially on retirement age. Those who choose to collect at the minimum age of 62 face a cap of $2,831 per month. If they wait until full retirement age (around 67 for many), the maximum jumps significantly to $4,018.

But the highest reward comes for those who can postpone it until age 70: a staggering cap of $5,108 per month in 2025.

This increase is due to a very interesting mechanism in the system: for every year the claim is delayed past full age, approximately 8% more is added to the benefit, accumulating until age 70.

Some might get up a retirement check of up to $5,108

Reaching that $5,108 maximum isn’t common. It requires having earned a high income for the 35 years Social Security considers for the calculation, specifically having paid contributions above the maximum tax threshold (which was $176,100 annually in 2025), AND ALSO having waited until age 70 to start collecting.

“In my circle, this variety is evident. Some earn close to the average, around $2,000. Others, like me, who started around 66, receive amounts in between; my check is around $3,800,” Derek explained.

And a few, those who held out until age 70, exceed $5,000. It’s a complex personal decision: get paid sooner with less, or wait for more but forgo that income during crucial years? As experts point out, Social Security typically covers only about 40% of pre-retirement expenses, so supplementing it with savings is almost essential.

Tags: RetirementSocial security

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