Since all Social Security and SSI payments for June have already gone out, millions of beneficiaries are now focused on their July deposits. And good news—two major payments are scheduled for the first week of July. If you’re eligible for either SSI or RSDI (Retirement, Survivors, and Disability Insurance), you might be in for one or even two deposits.
SSI
The first check of the month will arrive on July 1, 2025, and it’s for Supplemental Security Income (SSI) recipients. But not just anyone gets this benefit. You must have filed for it, received approval, and still meet the eligibility rules. That means having limited income and resources, and in most cases, being either age 65 or older, blind, or disabled.
The July 1 payment is the only SSI check you’ll get for the month—there are no staggered paydays for this benefit. It’s one and done.
Early
Another round of payments comes just two days later. On July 3, 2025, the Social Security Administration (SSA) will issue checks for a specific group of RSDI recipients. To get your Social Security retirement, SSDI, or survivor benefit on this date, one of the following must apply:
- You started receiving benefits before May 1997, or
- You receive both SSI and Social Security
That’s right. If you’re in the low-income bracket and need both SSI and Social Security to get by, July 1 and July 3 will both bring you a deposit. These early paydays are reserved for long-time beneficiaries and those who qualify for dual benefits.
Regular
If you began collecting Social Security after April 30, 1997, and don’t receive SSI, you’ll get your RSDI check later in the month. The exact date depends on your birthdate.
Here’s how it works:
| Birthday Range | Payday in July 2025 |
|---|---|
| 1st–10th | July 9 |
| 11th–20th | July 16 |
| 21st–31st | July 23 |
This system spreads out payments to avoid overloading the banks and the SSA’s systems. It also makes things a bit more predictable based on your birth date.
Amounts
Let’s talk numbers. Here’s what beneficiaries are receiving on average in 2025:
| Benefit Type | Average Payment | Maximum Payment |
|---|---|---|
| SSI (individual) | $718 | $967 |
| SSI (couple) | — | $1,450 |
| SSDI | $1,581 | — |
| Survivors | $1,566 | — |
| Retirees | $2,002 | $5,108 |
That top-tier $5,108 benefit is rare. You’d have to work 35 years, earn the taxable max every year, and delay filing until age 70 to get it. Most recipients fall in the average range.
Tips
If you’re still unsure about when to expect your money, here’s a quick checklist:
- Receiving SSI only? You get paid on July 1
- On Social Security before May 1997 or also getting SSI? You get paid on July 3
- Started benefits after April 1997 and not on SSI? Check your birth date and refer to the table above
Make sure your direct deposit info is up to date with the SSA, and keep an eye on your bank account or Direct Express card. These payments are automatic, so you shouldn’t have to take any extra steps—just be aware of when your money is coming in.
FAQs
When is the July 2025 SSI payment?
All SSI recipients will be paid on July 1, 2025.
Who gets Social Security on July 3?
Those on benefits before May 1997 or who also get SSI.
What is the average SSI amount in 2025?
About $718 per month for individuals.
When do retirees get paid in July?
July 9, 16, or 23 based on your birth date.
What is the max Social Security benefit?
Up to $5,108 if you filed at 70 and maxed earnings.
