If you are on Social Security, there is some good news for you this week. On Wednesday, July 9, the Social Security Administration (SSA) will be sending out a new round of benefit checks to millions of Americans. Some people could even receive as much as $5,108, depending on their work history and retirement age.
Let us break down who is getting paid this week, how much you could get, and what to do if your check does not show up.
Who is getting Social Security checks on July 9?
Not everyone gets paid on the same day. The SSA has a schedule based on your birth date to make sure everything runs smoothly.
Here is how it works for this week:
- You will get your check on Wednesday, July 9, if your birthday falls between the 1st and 10th of any month
- This includes retirement benefits, spousal benefits, and survivor benefits
- If your birthday is after the 10th, your payment will come later in the month
Important: If your payment does not arrive on July 9, the SSA asks that you wait three full business days before reaching out. That means weekends and holidays do not count toward the wait.
What are the other Social Security payment dates in july?
If you are not receiving your payment on July 9, do not worry—there are still two more scheduled payments this month.
Here is the full breakdown:
- Wednesday, July 16 – For those born between the 11th and 20th
- Wednesday, July 23 – For those born between the 21st and 31st
Make sure you know your birthdate category so you can keep an eye out for your payment.
How much could you receive in your Social Security check?
The amount you receive depends on a few things, including your lifetime earnings and the age at which you started collecting benefits.
Here is a quick breakdown of the maximum possible payments in 2025:
- If you retired at age 62, the max you can receive is $2,831 per month
- If you waited until age 67, you could receive up to $4,018
- If you delayed until age 70, the maximum monthly benefit is $5,108
According to the SSA, in May 2025, the average monthly Social Security check for a retired worker was $2,002.39.
An SSA spokesperson explained it this way:
“The average Social Security benefit amount changes monthly. Social Security benefits are based on a worker’s highest 35 years of earnings.”
So even if you are not at the top of the scale, every little bit helps—especially now.
Will you still pay taxes on your Social Security benefits?
This is where more good news comes in.
Thanks to a new law, the One Big Beautiful Bill Act, signed by President Donald Trump, seniors over age 65 will get a $6,000 boost to their standard deduction from 2025 through 2028. The deduction begins to phase out if:
- You earn more than $75,000 as a single filer
- Or more than $150,000 as a married couple
While the law does not eliminate federal taxes on Social Security benefits completely, the SSA says it will reduce taxes for nearly 90% of Social Security recipients. That means more of your monthly check stays in your pocket.
Related article:
What documents are required to request a replacement Social Security number (SSN) card for a child?
