For retirees aged 62 to 70, there are two key Social Security paydays in July 2025, but eligible individuals can only receive one payment, depending on their birth date and filing status. These payments are exclusively for those who began collecting Social Security benefits after April 30, 1997, and do not receive Supplemental Security Income (SSI).
How Filing Age Affects Your Social Security Benefits
Those who choose to file for Social Security at age 62 receive a reduced monthly payment due to early retirement. In contrast, retirees who delay benefits until age 70 are rewarded with a 24% increase in their monthly amount.
This means that delaying retirement not only secures a larger benefit but can maximize your total payout over time. However, you must meet specific conditions to qualify for the highest possible benefit.
Who Qualifies for July 2025 Payments?
To be eligible for the remaining July 2025 payments, you must have:
- Started collecting benefits after April 30, 1997
- Not be receiving SSI payments
If you started receiving benefits before May 1997, or if you currently receive SSI, you will not qualify for these remaining payment dates.
When Will You Receive Your July 2025 Social Security Check?
According to the Social Security Administration (SSA), two paydays remain in July for retirees aged 62–70:
| Payment Date | Birth Date Range |
|---|---|
| July 16, 2025 | Born between 11th–20th of any month |
| July 23, 2025 | Born between 21st–31st of any month |
These payments apply only to retirees who began receiving Social Security after April 30, 1997, and are not SSI beneficiaries.
What About Those Paid on July 3 or 9?
Retirees who received their check on July 3, 2025, will get their next deposit on August 1, 2025. Those paid on July 9 can expect their next payment on August 13, 2025 — four days later than in July.
Can You Receive $5,108 From Social Security in July?
The maximum monthly Social Security benefit in 2025 is $5,108, but only for those who filed at age 70. If you filed early at age 62, you’re not eligible for this amount.
To qualify for the $5,108 monthly benefit, you must have:
- Filed at age 70
- Worked for at least 35 years
- Paid into SSA-covered jobs
- Earned the Social Security taxable maximum for 35 years
Other examples:
- A high-income earner who filed at 62 may receive $2,831/month
- That same person could have earned $2,277 more monthly by waiting until age 70
- Filing at Full Retirement Age (FRA) of 66 years and 10 months in 2025 yields a maximum of $4,018/month
Conclusion
Timing your Social Security claim can greatly impact your monthly benefit. Retirees aged 62 to 70 in July 2025 have two specific payment dates—July 16 and July 23—depending on their birthdate and eligibility. Those who wait until age 70 and meet all qualifying conditions may secure the maximum $5,108 monthly benefit. Evaluate your work history, earnings, and desired retirement age to make the best financial decision for your future.
Frequently asked questions
1. Can I receive both July 16 and July 23 payments from Social Security?
No, retirees only receive one Social Security payment per month, based on their birthdate and eligibility.
2. Why can’t retirees with SSI get payments on July 16 or 23?
Those receiving Supplemental Security Income (SSI) have a separate payment schedule, and therefore do not qualify for the regular retirement payment dates in mid-to-late July.
3. What’s the advantage of delaying retirement until age 70?
By delaying retirement, you can receive a 24% increase in your monthly Social Security payment compared to claiming at your Full Retirement Age or earlier.
4. How do I know my Full Retirement Age in 2025?
In 2025, the Full Retirement Age (FRA) is 66 years and 10 months for those born in 1958.
5. Is $5,108 the same for everyone who files at 70?
No. To receive $5,108, you must also have worked for 35 years, earned the taxable maximum salary, and contributed to SSA-covered jobs consistently.