Only Two Social Security Payments Scheduled for Eligible Retirees in the U.S. This July

Only Two Social Security Payments Scheduled for Eligible Retirees in the U.S. This July

As July progresses, the Social Security Administration (SSA) has confirmed that only two scheduled Social Security payments remain for the rest of the month. Millions of Americans in two major groups have already received their direct deposits, so only a select number of retirees remain eligible for the final July payouts.

Let’s break down the details of these remaining payments, including average benefit amounts, payment dates, and who may still qualify for additional support like Supplemental Security Income (SSI).

Understanding Eligibility for July 2025 Social Security Payments

Only those who did not receive the earlier payments and who meet specific criteria based on their birth dates and benefit type will be issued payments in the upcoming weeks.

The SSA uses your birth date and whether you receive SSI benefits to schedule your monthly Social Security payments. Additionally, eligibility depends on the date you began receiving retirement benefits.

July 16 Payment: Who Will Receive It?

If you were born between the 11th and 20th of any month, your next Social Security payment is scheduled for July 16, 2025. However, to be eligible:

  • You must not have started collecting Social Security before May 1997
  • You must not be currently receiving SSI benefits

This date applies specifically to retired workers who qualify under these birthdate and benefit criteria.

Average Payment for Couples and Individuals in 2025

According to the SSA’s 2025 estimates, the average monthly benefit for a retired couple (both spouses receiving benefits) is $3,089.

For individual retirees, the average monthly benefit is approximately $2,002, reflecting the 2.5% COLA (Cost-of-Living Adjustment) that took effect in January 2025. This adjustment slightly boosted monthly payments, though no further updates have been released by the SSA regarding recent averages.

Next Payment Date: July 23, 2025

The second and final round of July payments is scheduled for July 23, 2025. This applies to retirees who meet the following criteria:

  • Started receiving Social Security after April 30, 1997
  • Are not receiving Supplemental Security Income
  • Were born between the 21st and 31st of any month
  • Meet all ongoing eligibility rules set by the SSA

This payment can also include additional funds if dependent children of the married couple also qualify for Social Security benefits.

What If You Receive Less Than Average?

Millions of retirees collect less than the average payment of $2,002. If you are among those struggling to make ends meet, consider applying for Supplemental Security Income (SSI).

SSI is designed for individuals with limited income and resources, especially older adults or those with disabilities. Depending on your situation, you might also be eligible for other federal assistance programs, such as:

  • TANF (Temporary Assistance for Needy Families)
  • WIC (Women, Infants, and Children)
  • SNAP (Supplemental Nutrition Assistance Program)

These programs can provide additional financial relief beyond your Social Security benefits.

Conclusion

In July 2025, only two Social Security payments remain — on July 16 and July 23 — for eligible retirees based on their birth dates and benefit status. While the average monthly payments are $2,002 for individuals and $3,089 for couples, many receive less and should consider applying for SSI or other assistance programs. Staying informed and proactive can ensure you get all the support you’re entitled to.

FAQs

What are the payment dates for Social Security in July 2025?

The remaining payment dates are July 16 (for those born 11th–20th) and July 23 (for those born 21st–31st), depending on eligibility.

How much is the average Social Security benefit in 2025?

The average monthly payment in 2025 is $2,002 for individual retirees and $3,089 for couples, based on SSA data.

Who qualifies for the July 16 payment?

Retirees born between the 11th and 20th, not receiving SSI, and who started benefits after May 1997 may qualify.

Can dependent children of retirees receive Social Security?

Yes, children of eligible retirees can receive additional Social Security payments if they meet the SSA’s dependent criteria.

What if my payment is lower than average?

You may qualify for Supplemental Security Income (SSI) or other federal programs like TANF, SNAP, or WIC to help supplement your income.

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