Jerry
As millions of Americans rely on Social Security benefits to manage monthly expenses, knowing exactly when and how much to expect is essential. For those born between the 21st and 31st of any month, Wednesday, July 23, 2025, is a key date.
This is when the Social Security Administration (SSA) will issue their monthly retirement, disability, or survivor benefits in the third payment cycle for July.
Let’s break down the eligibility, payment amounts, and everything you need to know to ensure your benefits arrive without issue.
Payment Schedule: Why July 23, 2025 Matters
The Social Security payment schedule is based on the beneficiary’s date of birth. Here’s how the system works:
| Birth Date Range | Payment Date (July 2025) |
|---|---|
| 1st – 10th | Wednesday, July 9, 2025 |
| 11th – 20th | Wednesday, July 16, 2025 |
| 21st – 31st | Wednesday, July 23, 2025 |
If your birthday falls between the 21st and 31st, you can expect your payment to be deposited on July 23—typically by midday if your banking information is updated in the SSA system.
How Much Will You Receive?
Social Security payment amounts vary, depending on several factors:
- Work history
- Total earnings during your career
- Age when you started collecting benefits
- Whether you are receiving retirement, disability (SSDI), or survivor benefits
Below is a table summarizing average monthly benefit amounts for 2025:
| Retirement Scenario | Estimated Monthly Benefit (2025) |
|---|---|
| Retired at Full Retirement Age | $1,907 |
| Retired Early (e.g., age 62) | $1,500 |
| Retired Late (e.g., age 70) | $2,700+ |
| Average SSDI Beneficiary | $1,537 |
| Maximum SSDI for High Earners | Up to $3,822 |
| Survivors (Widow/Widower, Avg.) | $1,705 |
These values are averages. You can check your exact monthly benefit amount by logging into your My Social Security Account online.
Who Qualifies for the July 23 Payment?
The payment scheduled for Wednesday, July 23, 2025, applies to:
- Retirees born between the 21st and 31st of any month
- SSDI recipients who began receiving benefits after May 1997 and whose birthdays fall in the same range
- Survivor benefit recipients, unless they are also receiving Supplemental Security Income (SSI)
Those receiving SSI benefits, or combined SSI and SSDI payments, follow a different schedule—typically paid on the 1st of the month.
What to Do If Your Payment Doesn’t Arrive
If you don’t receive your payment by Friday, July 25, follow these steps:
- Wait 3 business days – SSA recommends waiting before reporting a missing payment.
- Check your bank account – Ensure there are no issues with your direct deposit.
- Review your My Social Security Account – This will confirm the status of your payment.
- Contact SSA – Call 1-800-772-1213 or visit your local office.
Delays often occur due to inaccurate banking or contact information, so be sure your details are current.
Keep Your Information Updated
To avoid payment issues, it’s critical to keep the following information current with the SSA:
- Mailing address
- Direct deposit banking information
- Phone number and email
- Emergency contact (if applicable)
You can make changes easily via your My Social Security Account or at a local Social Security office.
Importance of Staying Informed
For millions of seniors, SSDI recipients, and survivors, Social Security payments are the main source of monthly income. With cost-of-living adjustments (COLA) expected to affect benefits yearly, staying updated on:
- Payment schedules
- Eligibility criteria
- COLA increases
- New SSA rules
Wednesday, July 23, 2025, marks an important date for Social Security beneficiaries born between the 21st and 31st.
With average payments reaching up to $1,907—and even more for those who delayed retirement—this monthly deposit is a vital lifeline for millions of Americans.
To ensure your payment arrives on time and in full, stay on top of your eligibility, banking info, and account status.
Whether you’re newly retired or have been receiving benefits for years, understanding the payment cycle can help you manage your finances more confidently and securely.
FAQs
I’m on SSDI—do I get paid on July 23 too?
If your birthday falls between the 21st and 31st, and you started receiving SSDI after May 1997, you will receive your payment on July 23, 2025.
What if my payment is late or missing?
Wait three business days, then contact the SSA directly or log in to your My Social Security Account to investigate.
How do I update my banking or address info?
Visit ssa.gov and log into your My Social Security Account, or go to your local SSA office.