In the month of July 2025, Social Security benefits continue to enjoy their retirement benefits, economic allowances and work disability benefits, which are an essential part of the United States economy. This system, created to offer economic security to the most vulnerable citizens, remains a fundamental pillar of social welfare.
The month of July comes at a time when the American economy is facing new challenges, which makes Social Security benefits even more relevant to ensuring stability for older adults and people with disabilities.
Let’s take a look at the entire list of Social Security payments for the month of July, one by one, with maximum amounts ranging from $967 to $5,1018, depending on the type of benefit.
Social Security benefits: Full schedule for July 2025
For beneficiaries relying solely on retirement or disability benefits (SSDI), the schedule is shared among those groups, according to their birthdate:
-
Wednesday, July 9th: If your birthday falls between the 1st and 10th.
-
Wednesday, July 16th: If your birthday falls between the 11th and 20th.
-
Wednesday, July 23rd: If your birthday falls between the 21st and 31st. Knowing your specific date helps manage household budgets effectively.
For Supplemental Security Income (SSI) beneficiaries, the date is usually the first day of every month: that’s the case of July, since the pay day does not fall on a weekend or holiday (in such cases, the deposits are advanced to the previous workday).
Benefit amounts saw a notable boost for the whole year 2025 thanks to the annual Cost-of-Living Adjustment (COLA). As reported for June 2025, the average retirement benefit settled around $1,950, with some sources indicating figures closer to $2,000 after the COLA was fully applied.
These increases aim to help seniors keep pace with rising living expenses that keep rising and rising amidst inflation. This increment is applied year after year, following the previous CPI-W Consumer Price Index that analyzes how the services and products increased in the previous year.
Maximum benefits, however, vary significantly based on your retirement age. For those claiming at the earliest age of 62, the maximum capped out near $2,831 per month. Waiting until Full Retirement Age (FRA), approximately 67 for most current claimants, pushed the maximum to $4,018.
Delaying until age 70 yielded the highest possible benefit, reaching up to $5,108 monthly. This underscores the financial impact of timing your claim.
Benefit suspensions are a critical area requiring careful attention: The SSA allows for both voluntary suspension and involuntary suspension. Voluntary suspension is an option exclusively for those who have already reached their Full Retirement Age (FRA).
For example, if you retire at age 67, and you’re not happy with the amount you are entitled to, you can suspend your payments and go back to accumulating work credits for a couple more years, or even to the maximum age (70 years) to improve your payment.
