Millions of elderly, retired citizens, disabled and other eligible citizens across America depend on the benefits received under Social Security every month. The second week of July 2025 has started and the biggest news of this week is that the next installment of Social Security payment is going to come on Wednesday, July 9. If you are wondering whether you will also get payment on this date, then let’s understand all this information in detail.
Who Will Get Payment on July 9?
If you were born between the 1st and 10th of any month and you are taking retirement, spousal or survivor benefits, then your next payment may come on Wednesday, July 9, 2025.
The Social Security Administration (SSA) issues payments every month based on a regular schedule. This schedule is set according to the date of birth, so that more than 70 million beneficiaries across the country can receive payments on different dates.
July 2025 Payment Schedule
- Birth Date Range: 1 to 10
Payment Date: July 9 (Wednesday) - Birth Date Range: 11 to 20
Payment Date: July 16 (Wednesday) - Birth Date Range: 21 to 31
Payment Date: July 23 (Wednesday)
Important Note: If you have been receiving Social Security benefits since before May 1997, your payment has already been made on July 3.
How Much Money Do You Expect to Get?
Now the question arises, who gets how much money? So the answer depends on each person’s earnings history, retirement age and other personal circumstances.
Social Security Payments Are Based On:
- Your highest earnings over the past 35 years are considered
- The figure is adjusted for inflation
- The age at which you start taking benefits also affects your average payment
As of May 2025:
- Average Social Security benefit: $2,002.39 per month
- At age 62 (early retirement): $2,831 maximum
- At age 67 (full retirement): $4,018 maximum
- At age 70 (late retirement): $5,108 maximum
There Are Also Deductions
Note that this amount is the gross amount, i.e. the total payment. Medicare Part B premiums or federal taxes may also be deducted from this. If you have chosen to pay taxes or your income is high, you may not receive the full amount.
New Tax Exemption Law: Relief to Seniors
A big relief news is that the “One Big Beautiful Bill Act” has recently been passed into law by former US President Donald Trump. This law will be in force from 2025 to 2028 and in this, a big relief has been given to the elderly in tax.
Main Effect of the Law
- Citizens aged 65 years or above will get an additional standard deduction of $6,000
- This benefit will be phased out for those whose income:
- Are single and earn more than $75,000
- Are married couples and earn more than $150,000
The biggest advantage of this change is that now the taxable income of most seniors will decrease and they will not have to pay tax on Social Security.
The SSA estimates that about 90% of beneficiaries will no longer pay tax on Social Security.
What to Do If Payment Is Not Received?
There are times when the payment does not arrive on the due date due to some technical reason, banking delay or holiday.
If your payment has not arrived by July 9, then there is no need to panic. SSA’s guidelines say:
- Wait for the first 3 business days
- Saturdays, Sundays and national holidays are not included in this
- After that you can get information in the following ways
Where to Contact?
- Check your account status: ssa.gov/myaccount
- Call directly: 1-800-772-1213
- If you are unable to hear: TTY 1-800-325-0778
Read more: $1,500 Child Stimulus 2025: Eligibility Criteria and Payment Dates Explained
Keep Yourself Prepared and Stay Informed
Social Security is not just a payment system, but the basis of stability of life for millions of Americans. Therefore, it is very important that you pay attention to these things from time to time.
How to Keep Yourself Prepared?
- Always track your payment dates
- Stay logged into your “My Social Security” account and keep information updated
- Stay informed of new laws and tax changes so you can plan accordingly
Frequently Asked Questions (FAQs)
Question 1: What payments will be made on July 9?
People whose birth dates fall between the 1st and 10th of July and are receiving retirement, spousal or survivor benefits will receive payments on July 9.
Question 2: What is the maximum Social Security benefit in 2025?
If you delay retirement until age 70, you could receive up to $5,108 per month.
Question 3: What is the tax break for seniors?
Starting in 2025, citizens 65 and older will receive an additional $6,000 deduction.
Question 4: Will Social Security no longer be taxed?
If you have limited income, now about 90% of beneficiaries will not have to pay federal tax on Social Security. However, this exemption will not apply to those with higher incomes
Conclusion
Social Security is a support that supports us at that stage of age when we can no longer work. The right information and awareness will not only help you to benefit better, but you will also be prepared for any future changes.