$5,108 social security check drops today - check if your birth date made the cut
Social Security July 2025 payment
dates, eligibility, and how much you could receive.
Who is getting the $5,108 Social Security check today?
The Social Security Administration (SSA) distributes benefits on a staggered monthly schedule based on your birth date. Today, Wednesday, July 23, payments are being issued to beneficiaries born between the 21st and 31st of any month.
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So, if your birthday falls within this range, you can expect your Social Security check to be direct deposited or mailed today.
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Millions of Americans set to receive $1,000 direct deposits in bank accounts — see if you're on the payout list
Why the $5,108 Social Security Payment Is Making Headlines:
The Social Security Administration (SSA) is rolling out one of its highest monthly retirement payments—up to $5,108—on Wednesday, July 23, 2025. But only specific recipients are eligible to receive it today, based on a very particular criteria: their date of birth.
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If you're a retiree or Social Security beneficiary wondering when your payment is due—or whether you qualify for the full amount—this article breaks down who gets paid today, why the $5,108 maximum matters, and what to do if your payment hasn't arrived.
Who's Getting Paid on July 23, 2025?
According to the Social Security Administration's monthly payment schedule, retirees with birthdays falling between the 21st and 31st of any month are set to receive their benefits on the fourth Wednesday of each month.
That means if your birthdate is from the 21st to the 31st, your check will arrive today, July 23.
This applies to:
Retired workers
Spouses of retired workers
Survivors (widows/widowers)
Disabled individuals receiving SSDI
Anyone receiving Supplemental Security Income (SSI) or who started benefits before May 1997 is paid on a different schedule (usually the 1st or 3rd of each month).
Why Is the $5,108 Social Security Payment Important?
While the average retiree doesn't receive the full $5,108, it represents the
maximum benefit
payable to those who:
Delayed claiming Social Security until age 70
Had consistently high earnings
throughout their working years
Here's how the monthly maximums typically break down in 2025:
Retirement Age
Maximum Monthly Benefit
Age 62
Around
$2,831
Age 67 (Full Retirement)
~
$4,018
Age 70
Up to
$5,108
This makes delayed retirement significantly more valuable, with a 24–32% increase in benefits compared to claiming early.
SSA's 2025 Payment Schedule by Birth Date
The SSA organizes its direct deposit schedule based on
birth date ranges
:
Birthday Range
July 2025 Payment Date
1st – 10th
July 9, 2025
11th – 20th
July 16, 2025
21st – 31st
July 23, 2025
So, if your birthday is between the 21st and 31st, your benefits—including any survivor, spousal, or retirement checks—will be sent today.
This structured format helps the SSA manage over 70 million payments monthly.
How Payments Are Delivered: Direct Deposit vs. Paper Check
The SSA encourages all beneficiaries to use direct deposit for faster and safer access to their money. Direct deposits typically arrive by noon on payment day, depending on your bank's processing time.
However, if you're still receiving paper checks:
It may take
3–5 business days
for the check to arrive
The SSA is
phasing out paper checks completely by September 30, 2025
If your payment hasn't arrived and it's been
more than 3 business days
, contact your bank or call SSA at
1-800-772-1213
.
New Alerts: 50% Benefit Withholding Starts July
A new SSA policy is taking effect where
up to 50% of a retiree's benefit may be withheld
if they were previously
overpaid
. This change is part of the SSA's crackdown on overpayment recovery, which has affected thousands of beneficiaries in 2024 and 2025.
So if your expected payment seems lower today, here's why:
SSA may be
recouping overpaid amounts
You should receive a
notice in advance
via mail or your SSA.gov account
To appeal or adjust a withholding, visit your
mySocialSecurity
portal.
2026 COLA Forecast: 2.5% Social Security Increase Expected
Although this month's payment is based on the
2025 COLA
, early projections show a
2.5% Cost-of-Living Adjustment (COLA)
in 2026.
That would mean:
An increase of about
$127 per month
for those at the $5,108 level
Around
$45–$100 extra per month
for most beneficiaries
The official 2026 COLA rate will be announced in
October 2025
, based on the CPI-W inflation index.
Expert Tip: How to Maximize Your Future Social Security
Want to boost your monthly payout in retirement? Here are three strategies:
Delay claiming until age 70
You'll receive
up to 32% more
than claiming at full retirement age.
Work 35+ high-earning years
The SSA uses your
highest 35 years of earnings
to calculate your benefit. Replace low-earning years with higher income if possible.
Monitor your SSA account
Create a free
mySocialSecurity
account to view your earnings history and projections. Discrepancies can impact your benefit amount.
Did your birth date make the cut for today's Social Security payment?
If your birthday falls between July 21 and 31, and you qualify for monthly benefits, you should see your Social Security check today, July 23. For some high earners who delayed retirement, that amount could be as much as $5,108. But with new overpayment rules in effect, some recipients could see as much as half their payment withheld.
Stay updated by logging into your SSA account and reviewing your statements, especially if you're impacted by recent policy changes.
Stay Informed, Stay Prepared
Social Security continues to play a vital role in the financial security of millions of Americans. Whether you're already receiving benefits or planning your retirement, understanding the payment schedule, eligibility rules, and how to maximize your benefits is key.
If you're born between the 21st and 31st, expect your Social Security payment of up to $5,108 to arrive today, July 23, 2025—assuming you've met the criteria for maximum benefit.
If you're unsure about your payment or suspect an error, the best course is to:
Log in to SSA.gov
Review your benefit breakdown
Contact SSA directly if needed
Quick Recap: July 23, 2025 SSA Payment
Who gets paid today?
Birthdays from
21st to 31st
Maximum benefit?
Up to
$5,108/month
Method?
Primarily
direct deposit
Delays?
Wait
3 business days
, then contact SSA
Lower payment?
May be due to
withholding for overpayments
2026 COLA estimate?
Around
2.5% increase
Stay updated with the latest Social Security news to avoid surprises and secure the maximum benefit you're entitled to.
Frequently Asked Questions About the $5,108 Social Security Check (July 2025)
Who is getting the $5,108 Social Security check today?
People who were
born between the 21st and 31st of any month
and are receiving retirement, survivor, or disability benefits from Social Security will get their payment
today, July 23, 2025
.
How does my birth date affect when I get paid?
Social Security payments are sent based on your
birth date
:
Born on
1st–10th
→ Paid on the
2nd Wednesday
of the month
Born on
11th–20th
→ Paid on the
3rd Wednesday
Born on
21st–31st
→ Paid on the
4th Wednesday
(
today in July
)
If you started getting benefits
before May 1997
, your payment usually arrives on the
1st of each month
Why is the payment $5,108?
That's the
maximum monthly Social Security benefit
for 2025. Only people who worked at high incomes for
35 years
and waited until
age 70
to claim benefits are eligible for this amount. Most people get less.
How can I check if I got my Social Security payment today?
You can:
Log in to your
my Social Security
account at ssa.gov
Check your
bank account
or direct deposit statement
If you get checks by mail, give it a few business days to arrive
Why is my Social Security payment lower than expected?
The Social Security Administration (SSA) has started
clawing back overpayments
at a faster rate. If you were
overpaid
, you could now lose
up to 50% of your monthly check
, especially if the notice came
after April 25, 2025
.
What should I do if I got an overpayment notice?
You can:
Request a waiver
if the overpayment wasn't your fault
Ask for a repayment plan
Call the SSA or visit ssa.gov to manage your repayment
When is the next Social Security payment?
The next big date is
August 1, 2025
, for people on
SSI
or those who began getting benefits
before May 1997
. Others will get paid according to the usual Wednesday schedule based on birth dates.
Can I get help online?
Yes! Visit your
my Social Security
account at ssa.gov to:
Check your payment status
View your payment history
Manage direct deposit and more
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