When do you get your SSI check for July? See full 2025 schedule
Those who get Supplemental Security Income checks will be getting them on a normal schedule in July.
SSI recipients got two checks in May – their May SSI payment issued on May 1 and their June payment on May 30 – because of quirks in the Social Security Administration's calendar. Typically, the payments are issued on the first day of the month, and the May 1 payment went out as expected. But because June 1 fell on a weekend, the payment was sent on May 30, the last business day of May.
Payments in July and August will arrive on a more normal schedule, with the July payment issued on Tuesday, July 1, and the August payment on Friday, Aug. 1, according to the SSA calendar.
Social Security: 3 reasons I'll be taking benefits long before age 70
When are SSI payments sent out for July? See full 2025 payment schedule
SSI beneficiaries will also get two checks in August, October and December. That's because the first date of the following month lands on a weekend or holiday.
Here are the dates for SSI payments for the rest of 2025, according to the SSA calendar:
What is SSI?
There are about 7.4 million Americans who may be disabled or have limited resources getting monthly Supplemental Security Income (SSI) benefit payments.
SSI provides benefits for those with limited income or resources, those aged 65 or older, and those who are blind or have a qualifying disability. Children with a qualifying disability can also get SSI, according to the Social Security Administration's website.
Adults who earn more than $2,019 from work monthly, typically do not qualify for SSI. About one-third of those SSI recipients also get a benefit from Social Security.
Those who may be eligible for SSI can begin the application process online, in person at your local Social Security office, or by calling 1-800-772-1213 (TTY 1-800-325-0778) from 8 a.m. to 7 p.m. local time during the work week.
Mike Snider is a reporter on USA TODAY's Trending team. You can follow him on Threads, Bluesky, X and email him at mikegsnider & @mikegsnider.bsky.social & @mikesnider & msnider@usatoday.com
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When do you get your SSI check for July? See full 2025 schedule
Those who get Supplemental Security Income checks will be getting them on a normal schedule in July. SSI recipients got two checks in May – their May SSI payment issued on May 1 and their June payment on May 30 – because of quirks in the Social Security Administration's calendar. Typically, the payments are issued on the first day of the month, and the May 1 payment went out as expected. But because June 1 fell on a weekend, the payment was sent on May 30, the last business day of May. Payments in July and August will arrive on a more normal schedule, with the July payment issued on Tuesday, July 1, and the August payment on Friday, Aug. 1, according to the SSA calendar. Social Security: 3 reasons I'll be taking benefits long before age 70 SSI beneficiaries will also get two checks in August, October and December. That's because the first date of the following month lands on a weekend or holiday. Here are the dates for SSI payments for the rest of 2025, according to the SSA calendar: There are about 7.4 million Americans who may be disabled or have limited resources getting monthly Supplemental Security Income (SSI) benefit payments. SSI provides benefits for those with limited income or resources, those aged 65 or older, and those who are blind or have a qualifying disability. Children with a qualifying disability can also get SSI, according to the Social Security Administration's website. Adults who earn more than $2,019 from work monthly, typically do not qualify for SSI. About one-third of those SSI recipients also get a benefit from Social Security. Those who may be eligible for SSI can begin the application process online, in person at your local Social Security office, or by calling 1-800-772-1213 (TTY 1-800-325-0778) from 8 a.m. to 7 p.m. local time during the work week. Mike Snider is a reporter on USA TODAY's Trending team. You can follow him on Threads, Bluesky, X and email him at mikegsnider & @ & @mikesnider & msnider@
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The president's campaign promise to end taxes on Social Security benefits is not included in either the Senate or House versions. One provision of the Congressional Budget Act of 1974, known as the Byrd Rule, prohibits Senate reconciliation bills from including any measure that changes Social Security benefits or taxes. Offering an enhanced tax break is another way to reduce taxes for many seniors, though. What kind of new tax break could seniors see? Significant differences exist between the House and Senate versions relating to the enhanced deduction for seniors. As a result, it's hard to know right now exactly how any new rule might land. Here are some points to consider: Size of the tax break: Under the Senate version, the maximum bonus deduction would be up to $6,000 for those 65 and older. Tax filers could claim this deduction on top of the standard deduction and extra deductions that already exist for seniors. The proposed bonus deduction would be smaller — only up to $4,000 for people 65 and over — under the House version. The House GOP mega-bill passed May 22 by a single-vote margin. At a 12% marginal tax rate, the $4,000 deduction alone for a single taxpayer who is 65 or older would result in $480 in tax savings, according to Garrett Watson, director of policy analysis at the nonpartisan Tax Foundation. That savings would be $720 if you could take a $6,000 deduction under the Senate version in this example, assuming a taxpayer with a 12% rate. Savings would vary based on the tax rate. For a single taxpayer, the 12% tax rate applied on taxable income from $11,926 through $48,475 in 2025. Annual inflation adjustments can be made to marginal tax brackets. Right now, taxpayers 65 and older already qualify for an additional standard deduction, which reduces taxable income, on top of the regular standard deduction, if they do not itemize deductions, such as mortgage interest or medical expenses. New 401(k) contribution limits: What Gen X and Baby Boomers need to know in 2025 On 2025 federal income tax returns, the additional standard deduction for seniors is $2,000 if you are single or file as head of household and not a surviving spouse. The amount is $1,600 per qualifying individual if you're married, filing jointly or separately. The "senior bonus" would apply whether you itemized or claimed the standard deduction and it would be on top of those deductions. Who qualifies based on income limits: The Senate version is far more restrictive when it comes to cutting off seniors with higher incomes from any additional tax break. Under both the House and Senate bill, taxpayers 65 and older could receive the full deduction if their modified adjusted gross income is no more than $75,000 for single filers and no more than $150,000 for married filing jointly. Under the Senate version, the deduction would phase out more quickly, meaning you'd qualify for less of a tax break or not get any break, once thresholds are hit. The "senior bonus" under the House version phases out at 4% starting at each dollar above $75,000 for singles and $150,000 for joint filers, according to Howard Gleckman, a senior fellow at the Urban-Brookings Tax Policy Center. The Senate Finance bill phases out more quickly at 6%. What's the phase-out limit?: As incomes go above those thresholds, the deduction would be smaller until it phases out completely for an individual with $175,000 in modified adjusted gross income or a married couple filing a joint return with $250,000. That's true with both bills. 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"Addressing changes to Social Security benefits directly may have been difficult to do under the Senate budget reconciliation rules, so this appears to be an effort to honor Trump's proposal in a manner that works under the budget reconciliation rules," Luscombe said. It's up for debate as to which version — House or Senate — ultimately prevails. Or even if there is some compromise figure or restrictions that are reached. Luscombe said much will probably depend primarily on the overall budget numbers and how the provision might be paid for with revenue offsets or spending cuts or whether it adds to the projected deficit. Again, not all seniors will benefit from this new bonus tax break. "Keep in mind that lower-income seniors would get no benefit since they already make less than the current standard deduction," Gleckman said. Lower-income households that do not have taxable income would not benefit, experts said, as they do not have income to offset. "And, due to the phase-out, very few high-income older adults would get a benefit," Gleckman said. Gleckman said the House and Senate versions primarily benefit middle- and upper-middle income seniors only. The Tax Foundation estimates that the $4,000 deduction for seniors would cost about $22.8 billion in 2025 and $23.2 billion in 2026 in federal revenue. The Tax Foundation estimates that the Senate version at a maximum $6,000 deduction would cost about $35 billion annually, which is about $12 billion larger than the House version or about 52% more. Gleckman, at the Urban-Brookings Tax Policy Center, said it would make sense that the Senate version could be more costly, but he did not have a specific estimate on June 23. "Yes, the phase-out is faster," Gleckman said. "But there are far more middle-income older adults than very high-income seniors. So many people getting $6,000 is more costly than a somewhat higher number getting $4,000." 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Avoid zero-income years in your benefit calculation by working at least 35 years before applying for Social Security. Boosting your income today will likely increase your benefit in retirement. Select the ideal claiming age based on your health and finances to optimize your lifetime benefit. The $23,760 Social Security bonus most retirees completely overlook › Social Security recently reached an important milestone: In May 2025, average benefits climbed to over $2,000 per month for the first time. That means the typical senior can expect around $24,000 in annual benefits. It sounds like a lot, but if you've ever tried to live off that amount of money, you know it won't get you very far. Fortunately, it's possible to beat the average benefit if you understand the factors that affect the size of your checks. If you haven't signed up for Social Security yet, make sure you do the following three things. The Social Security Administration calculates your benefit based on your average monthly income over your 35 highest-earning years, adjusted for inflation. But you don't need to work that long to receive a retirement benefit. You qualify with as little as 10 years of work history. However, it's best to hold off on applying until you pass the 35-year mark, if you can. If you apply sooner, you'll have zero-income years factored into your benefit calculation. Even one of these can permanently reduce the size of your checks. There's no downside to working longer than 35 years before applying, though. That could actually boost your checks if you're earning more now than you did early in your career, because your more recent, higher-earning years start to edge your lowest-earning years out, raising your average monthly income. The more you pay in Social Security payroll taxes throughout your career, the larger your retirement benefit will be. Anything you can do to increase your income today will likely also help your Social Security benefits later on. This includes getting a raise, finding a new job that pays better, and starting a side hustle. The only people this won't help are those already earning more than the taxable wage base -- $176,100 in 2025. You don't pay Social Security taxes on income over this amount, so it won't help you increase your retirement benefit. However, it could improve your quality of life today. You must apply at your full retirement age (FRA) if you want the full benefit you've earned based on your work history. That's 67 for most people today. If you apply earlier than this, you'll face an early claiming penalty that could reduce your checks by up to 30%. That's enough to knock the average $2,000 monthly benefit down to $1,400 per month. You can also delay benefits past your FRA, and your checks will continue to grow until you reach 70. At that point, you'll get an extra 24% added to your checks if your FRA is 67. You can also claim at any age in between 62 and 70. The ideal claiming age for you comes down to two things: health and finances. If you're financially unable to delay Social Security, your choice is pretty simple: Claim when you need to so you don't have to take on unnecessary debt. But you may still benefit from holding off on your application for a month or two, if you can, so you can grow your checks a little. If you're in poor health, early claiming could also be the right move for you. Waiting too long puts you at risk of not receiving anything from Social Security. However, if you're married and want your spouse to get the largest possible survivor benefit after you die, waiting to claim or not claiming at all could be the way to go. When you sign up for Social Security early, you permanently reduce your spouse's survival benefit too. It's generally a good idea to come up with a plan as a couple if you're married. That way, you can choose the strategy that will best maximize your household benefits. For example, if one person significantly out-earned the other, the lower earner could claim their retirement benefit early, allowing the higher earner to delay. Then, when the higher earner applies, the lower earner can switch to a spousal benefit if it's worth more than what they were getting on their own. None of this is guaranteed to help you beat the $2,000 average Social Security check. But if you do all three of these things, you have a pretty good chance of scoring larger benefits that will help you cover more of your expenses in retirement. If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known could help ensure a boost in your retirement income. One easy trick could pay you as much as $23,760 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Join Stock Advisor to learn more about these Motley Fool has a disclosure policy. How Do You Beat the $2,000 Average Social Security Check? was originally published by The Motley Fool Sign in to access your portfolio
