In July 2025, the Social Security Administration (SSA) has confirmed that retirees aged 62 to 70 may receive up to $5,108 depending on their age at filing, work history, and earnings.
These payments are only applicable to retirees who began receiving benefits after April 30, 1997, and do not receive Supplemental Security Income (SSI).
Let’s break down who qualifies, how much you could receive, and when you can expect your Social Security benefit this month.
How Filing Age Impacts Your Social Security Benefits
Your filing age plays a critical role in how much Social Security income you’ll receive each month. Here’s how it works:
- Age 62: Filing early results in a permanent reduction in monthly payments.
- Age 66 years and 10 months (Full Retirement Age in 2025): Filing at FRA gives you your full standard benefit.
- Age 70: Delaying retirement earns you delayed retirement credits, resulting in a 24% boost to your monthly benefit.
This difference can mean thousands of dollars more annually over the course of your retirement.
Who Qualifies for the July 2025 Social Security Payments?
To be eligible for the July 2025 Social Security retirement benefits (excluding SSI), you must:
- Have started receiving Social Security after April 30, 1997
- Not be receiving SSI benefits
- Be aged 62–70
If you started receiving benefits before May 1997, or are currently receiving SSI, you are not eligible for these July payment dates
Social Security July 2025 Payment Schedule
Below is the schedule for July 2025 Social Security retirement payments for eligible individuals:
| Payment Date | Birth Date Range |
|---|---|
| July 16, 2025 | Born between 11th – 20th of any month |
| July 23, 2025 | Born between 21st – 31st of any month |
These payments are only issued to individuals who do not receive SSI and who started benefits after April 1997.
What About Other July Payments?
If you received your Social Security payment on July 3, 2025, your next payment will be on August 1, 2025. If you were paid on July 9, your next payment will arrive on August 13, 2025.
How to Qualify for the Maximum $5,108 Monthly Benefit
The maximum Social Security benefit in 2025 is $5,108 per month. To receive this full amount, retirees must meet all of the following conditions:
- File at age 70
- Work 35+ years
- Earn the Social Security taxable maximum income each of those 35 years
- Contribute to SSA-covered employment
Here’s a breakdown for various scenarios:
| Scenario | Estimated Monthly Benefit (2025) |
|---|---|
| Filed at 62 with high income | $2,831 |
| Filed at 66 years, 10 months (FRA) | $4,018 |
| Filed at 70 with max income + 35 years | $5,108 |
Retirees aged 62 to 70 have the potential to receive up to $5,108 in July 2025, depending on their filing age, earnings history, and SSA eligibility.
Two payment dates—July 16 and July 23—are assigned based on your birthdate and enrollment timeline.
To receive the highest benefit, consider delaying your retirement to age 70 and maximizing your earnings. Understanding these rules can help you plan for a more financially secure retirement.
FAQs
Can I get both the July 16 and July 23 Social Security payments?
No. You are eligible for only one Social Security payment per month, based on your birthdate and eligibility status.
Why don’t SSI recipients get paid on July 16 or 23?
SSI beneficiaries are on a different payment schedule. They typically receive their payments at the start of each month and do not qualify for the mid-to-late July retirement benefit dates.
What is the advantage of filing for Social Security at age 70?
Filing at age 70 increases your monthly benefit by up to 24% compared to filing at your Full Retirement Age, offering maximum monthly payments and more lifetime benefits for those who delay retirement.