As we step into the second half of the year, with the new month comes yet another Social Security payment from the Social Security Administration (SSA). These Social Security benefit checks are sent out on every second, third, and fourth Wednesday of the month, depending on the date of birth of the recipient. More than 70 million Americans receive checks from the SSA every month and for many of these households, these benefit checks are an essential source of income that helps them cover their living expenses on a monthly basis.
For this July, however, some beneficiaries may notice a chunk of their benefit is missing. This is due to the clawbacks that are being enacted by the SSA to recoup any overpayments that had previously occurred. Here is everything you need to know about the Social Security payments for July, as well as the potential withholding of benefits.
Social Security payments in July
The Social Security Administration (SSA) uploads its Schedule of Social Security Benefit Payments well in advance thereby allowing beneficiaries to know exactly when they will receive their payments, and as such, they are able to plan their budgets accordingly. The payment schedules for 2025 and 2026 are currently available on the SSA website.
Social Security payments go out every Wednesday throughout the month in relation to the date of birth of the beneficiary. For July, Social Security benefits will be rolling out on the following dates:
- Wednesday, July 9th – for beneficiaries with birth dates from the 1st to the 10th of the month
- Wednesday, July 16th – for beneficiaries with birth dates from the 11th to the 20th of the month
- Wednesday, July 23rd – for beneficiaries with birth dates from the 21st to the 31st of the month
The SSA does, however, note that, “if you don’t receive your payment on the expected date, please allow three additional mailing days before contacting Social Security.”
Additionally, for beneficiaries who had been receiving Social Security benefits since before May of 1997, payment dates may differ slightly. “If you received Social Security before May 1997 or if receiving both Social Security & SSI, Social Security is paid on the 3rd and SSI on the 1st,” as per the SSA schedule.
The SSI benefit for the month of July was sent out on July 1st, as per the schedule. “SSI provides payments to people with limited income and resources who are age 65 or older, blind, or have a qualifying disability. Children with a qualifying disability can also get SSI,” according to the SSA. The remaining SSI payments for the year will be rolled out on the following dates:
- Tuesday, July 1st, 2025 (SSI for July 2025)
- Friday, August 1st, 2025 (SSI for August 2025)
- Friday, August 29th, 2025 (SSI for September 2025)
- Wednesday, October 1st, 2025 (SSI for October 2025)
- Friday, October 31st, 2025 (SSI for November 2025)
- Monday, December 1st, 2025 (SSI for December 2025)
- Wednesday, December 31st, 2025 (SSI for January 2026)
Overpayment clawbacks to begin in July
In April, the SSA announced that the withholding rate for beneficiaries with an overpayment balance would be 50% of the benefit total. The initial announcement had the withholding rate set at 100% of the benefit, however, this rate sparked major backlash and criticism and was subsequently dropped to 50%.
According to the SSA, notices informing beneficiaries that they had been overpaid were sent out on April 25th, 2025. Upon receiving the notice, the beneficiary then had a 90 day grace period during which they had the option to submit a waiver of repayment or request a lower rate of withholding. The 90 day window is now coming to a close, meaning that if the beneficiary had not taken any action regarding their withholding rate during this time, their July benefit may just be subject to the 50% withholding rate.