Social Security Payment 2025: If your birth date falls between the 11th and 20th, welcome to an opportunity for your Social Security payment, possibly of $5,108, to be dropped into your bank account this Wednesday, July 16. It is the second of three waves in a monthly payment schedule set according to birth dates.
Who Gets Paid Today?
Depending on when someone’s birthday is, the U.S. Social Security Administration (SSA) groups monthly payments into three categories. For July:
- First wave (birthdays 1–10): paid July 9.
- Second wave (birthdays 11–20): paid July 16.
- Final wave (birthdays 21–31): scheduled for July 23.
Those receiving retirement or disability benefits, with birthdays falling between the 11th and 20th of the month, are expected to receive payments today.
How Much Could You Receive?
Payments vary widely, depending on your work history and the age at which you started receiving benefits. In 2025:
- The average monthly retirement benefit is about $1,976.
- Claim at age 62, and your benefit tops out at $2,831.
- Wait until full retirement age (≈67) for a max of $4,018.
- Delay until age 70, and you may qualify for the maximum up to $5,108.
There was one expert reminder that the $5,108 was rarely ever met-during those 35 years high-earning people always paid into Social Security at the maximum rate and waited until they reached 70 years to file for benefits.
Eligibility And Getting The Best Benefit
To be eligible for these payments, you must:
- Have 40 quarters of Social Security-covered employment (about 10 years).
- Be 62 years or older.
- Having started claiming based on your pick for payout strategy.
In essence, the very maximum earning and having put off claiming until 70 will assure you will receive the very best payout monthly.
What To Do If You Don’t Receive It
If your payment is expected but is not received, here are a few ways to solve this:
- Wait for at least 3 business days after the scheduled date.
- Log in to your My Social Security account to check on your deposit.
- Call your bank, credit union, or financial institution to confirm the direct deposit was sent to the right account from the Social Security Administration.
- If still no payment, call the SSA at 1-800-772-1213.
Also Read: IRS $2,400 Stimulus Update 2025: Who Qualifies And How To Claim It