Millions of Americans who rely on Supplemental Security Income (SSI) and Social Security benefits mark their calendars each month. July’s deposits are right around the corner—and this time, a brand‑new withholding rule could trim some checks.
Wondering when your money will show up—or why it might be smaller? Here’s the full schedule, the reason certain amounts will dip, and what to do if your payment is late.
The first wave of cash lands in the SSI program on Tuesday, July 1. Because the date falls on a weekday, no adjustments are needed. Retirement, disability and survivor benefits follow the long‑standing birthday schedule, giving recipients a predictable rhythm.
Exact July 2025 payment dates for SSI and Social Security recipients
Looking ahead, SSI money for August lands on August 1, while the September benefit moves up to August 29. October 1, October 31 and December 1 remain unchanged, and a December 31 deposit covers January 2026.
| Date | Who gets paid |
|---|---|
| July 1 | SSI program (aged, blind, disability) |
| July 3 | Dual SSI‑Social Security beneficiaries, pre‑May 1997 filers, people living abroad |
| July 9 | Birthdays on the 1st–10th |
| July 16 | Birthdays on the 11th–20th |
| July 23 | Birthdays after the 20th |
How the new 50 percent overpayment withholding could affect your check
Late in July, the Social Security Administration (SSA) will automatically withhold up to half of a monthly benefit when it believes a recipient was overpaid and has not arranged repayment. The agency tried to claw back excess funds from roughly two million people in fiscal year 2023, so many households could see lighter deposits.
Receive a notice or find less money than expected? Contact the SSA immediately to request a waiver, appeal the decision, or set up an affordable payment plan. Steps to take if your July 2025 benefit arrives late or incomplete Feeling anxious because the money hasn’t hit your bank yet? Take these actions:
- Check with your bank or Direct Express account; the deposit may be pending.
- Wait three business days before escalating if you still receive paper checks.
- Call the SSA at 800‑772‑1213 or visit a local office if the delay persists.
Keeping copies of deposit confirmations and SSA letters will smooth any conversation with an agent. July’s timetable is clear, but the new withholding rule means some wallets could feel lighter. Mark the dates above, monitor your account, and act fast if an overpayment adjustment appears. Staying proactive is the best way to keep your benefits on track.