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As a retiree, you probably depend heavily on your Social Security or Supplemental Security Income (SSI) benefits to manage your monthly expenses.
Any unexpected changes to the usual payment schedule can significantly disrupt your budget. If you’re receiving SSI benefits, this year, you received your June payment on May 30, leaving you without a payment throughout June.
Due to the calendar layout, July Social Security and SSI payments are scheduled later than usual. Let’s dive into the specifics of when you can expect your payments this month.
Social Security and SSI Payment Schedules: A Quick Overview
Generally, Social Security and SSI payments follow a strict schedule.
- Social Security payments, which are for retired workers and their eligible beneficiaries, are issued based on your birth date. Payments are made on the second, third, or fourth Wednesday of each month, depending on when you were born.
- SSI benefits, on the other hand, are distributed on the 1st day of every month. If you receive both Social Security and SSI benefits, your SSI payment arrives on the 1st, while your Social Security payment follows on the 3rd of the month. For those who began receiving Social Security benefits before May 1997, their payments also arrive on the 3rd.
However, these dates may shift if the scheduled payment date falls on a weekend or a federal holiday. In such cases, payments are made on the earliest weekday before the regular payment date to avoid delays.
The Shift in July SSI Payment Dates
In June 2025, the 1st of June fell on a Sunday—a federal holiday—meaning SSI payments for the month were made earlier, on Friday, May 30.
This means that while you technically received your June payment, it wasn’t issued in June7, but in May. Consequently, you may experience a longer wait for your July payment.
This year, July 1 falls on a Tuesday, and while this does mean your July SSI payment will arrive later than the previous month, it is still being paid on time.
When Can You Expect Your July Payments?
If you receive both Social Security and SSI benefits, here’s when you’ll get your payments in July:
- SSI payment: Tuesday, July 1
- Social Security payment: Thursday, July 3
For those who began receiving Social Security benefits before May 1997, your Social Security payment will also arrive on July 3.
Other Social Security payments are issued based on your birth date:
- Born between the 1st and 10th: Wednesday, July 9
- Born between the 11th and 20th: Wednesday, July 16
- Born between the 21st and 31st: Wednesday, July 23
What to Do if Your Payment is Delayed
If you don’t receive your payment on the expected date, follow these steps before contacting the Social Security Administration (SSA):
- Wait for three business days before reaching out to the SSA.
- Check with your bank: There may be a delay on their end.
- Review your information: Log in to your My Social Security account and verify that your bank and personal details are accurate, especially if you’ve moved or changed financial institutions.
If everything looks good, and your payment is still delayed, you can contact the SSA at 1-800-772-1213 or visit your nearest SSA office for assistance.
For retirees living on a fixed income, keeping track of payment dates is essential for effective budgeting. Knowing when your Social Security or SSI benefits are due can make it much easier to plan your finances.
If you’re looking for ways to make your Social Security benefits stretch further, consider downsizing, getting a part-time job, or relocating to a more affordable area. Meeting with a financial planner could help ensure you’re making the most of your retirement funds.
FAQs
When will I receive my Social Security payment in July?
Social Security payments are issued based on your birth date. If you were born between the 1st and 10th of the month, your payment will arrive on July 9. For those born between the 11th and 20th, expect it on July 16, and for those born between the 21st and 31st, July 23 is the date.
Will my SSI payment come later than usual in July?
While your SSI payment will arrive later than last month, it is still on time. You can expect your July SSI payment on Tuesday, July 1.
What should I do if my payment is delayed?
If your payment is delayed, first check with your bank and verify your personal information on the Social Security portal. If necessary, wait for three business days before contacting the SSA.