Social Security Disability Insurance July 2025: Your Money Is Headed Out

CNET

15-07-2025

July's SSDI checks are headed to beneficiaries soon. Here's this month's payment schedule.
CNET
We're nearly half way through the month of July, and Social Security Disability Insurance recipients are set to receive their payments this week or next if they didn't get it in the past two weeks. If you're not sure exactly when you should receive your payment, we have it all covered below for you.
The Social Security Administration sends monthly payments to people with disabilities that prevent or limit their ability to work. Depending on their individual situation, others may qualify and can apply for SSDI as well.
We'll break down the full SSDI payment schedule for the month of July and how your payment date is calculated so you'll know exactly when you can expect your check.
For more, here's what you can do if your last payment never arrived, and here's the Supplemental Security Income payment schedule.
If you've had SSDI since May 1997 or earlier, or also receive SSI
If you started getting SSDI before May 1997, you'd usually receive your payment on the third day of every month. Note that this isn't always the case, like when the third day falls on a weekend or holiday. For 2025, this will happen in August, so you can expect to receive that month's payment one to two days earlier.
If you also receive Supplemental Security Income, you'll fall into this category. You'll receive your SSDI payment on the third of every month and your SSI payment on the typical day, the first of the month.
For everyone else, payments are birth date-dependent
If you began receiving SSDI after May 1997 and don't also receive SSI, then your payment date is determined by the day of the month you were born. Payments are typically paid out on the second, third and fourth Wednesday of the month. Which Wednesday you get your check breaks down like this:
Birthdate between Social Security check date 1st and 10th of the month Second Wednesday of the month 11th and 20th of the month Third Wednesday of the month 21st and 31st of the month Fourth Wednesday of the month
Here's when you'll get your SSDI payment in July
Here's when your SSDI payment should arrive this month:
If you've received Social Security before May 1997 July 3 If your birthday falls between day 1 and 10 of the month July 9 If your birthday falls between day 11 and 20 of the month July 16 If your birthday falls between day 21 and 31 of the month July 23
How does 2025 COLA affect my payment?
The COLA for 2025 introduced a 2.5% increase in monthly benefit checks, but exactly how much of an increase will depend on several factors. Any monthly income, how long you've received benefits and what type of benefit you receive can result in a different payment increase. Recipients should have received their COLA notice sometime in December with specific details on their case. A COLA of 2.5% will add about $48 to the average benefits check.
For more, don't miss four ways you could lose your Social Security benefits and how to apply for SSI.