Social Security Benefits:Social Security recipients across the United States can expect another round of payments this week, with Wednesday, July 9 being the next official distribution date for many beneficiaries. The Social Security Administration (SSA) issues these payments in stages to accommodate the more than 70 million Americans who rely on benefits each month.
Who will get paid on July 9?
If your birthday falls between the first and tenth of any month and you receive retirement, spousal or survivor benefits, your payment will be deposited (or mailed) on Wednesday, July 9.
The SSA follows a predictable monthly payment schedule for people who began receiving benefits after May 1997:
| Birthday Range | Payment Date (July 2025) |
|---|---|
| 1st – 10th | Wednesday, July 9 |
| 11th – 20th | Wednesday, July 16 |
| 21st – 31st | Wednesday, July 23 |
If you began receiving benefits before May 1997, your payment probably arrived on July 3.
What to expect from your payment
Social Security benefits are based on your maximum 35 years of earnings, adjusted for inflation, and the age at which you began receiving benefits. According to data from the Department of Social Security (SSA):
- Average monthly benefit (May 2025): $2,002.39
- Maximum at age 62 (early retirement): $2,831
- Maximum at full retirement age (67): $4,018
- Maximum at age 70 (delayed retirement): $5,108
These are gross figures and may be reduced by reductions in Medicare Part B premiums or federal income taxes, where applicable.
New tax breaks for seniors
President Donald Trump recently signed the One Big Beautiful Bill Act into law. One of its key features is a $6,000 increase in the standard deduction for seniors over age 65 that will begin in 2025 and run through 2028.
Here’s what the new provision means:
- An increase in the deduction for seniors by $6,000
- Phasing out for:
- Individuals earning more than $75,000
- Married couples earning more than $150,000
Although this doesn’t eliminate taxes on Social Security benefits, it could significantly reduce the taxable income of most retirees. The SSA estimates that about 90% of beneficiaries will not have to pay federal income taxes on their benefits under this provision.
Didn’t receive your payment?
If your payment hasn’t arrived by the due date:
- Wait three business days before contacting SSA
- Weekends and holidays are not considered business days
- Use your My Social Security account to verify deposit status: ssa.gov/myaccount
- Or call SSA directly at 1-800-772-1213
Be prepared and stay informed
Social Security remains a vital source of income for millions of Americans. To stay financially secure:
- Monitor payment schedules regularly
- Log in to your My Social Security account to manage your information
- Stay updated on legislative changes that may affect your taxes or benefits
