If you live in the US and are covered by Social Security or SSI (Supplemental Security Income), then the month of July 2025 can be very special for you. But keep in mind, not everyone will get this benefit. If your income is high, you already have a lot of resources and you are already getting a large Social Security amount, then you may not get the first monthly payment of July.
In this article, we will understand in an easy and conversational way who will get these Social Security and SSI payments, when will they be received and how you can become eligible for it.
Social Security and SSI: What is the Difference Between the Two?
First of all, it is important to understand that Social Security and SSI are both different programs.
Social Security
Social Security is a program that pays people who have previously worked and paid Social Security taxes. It consists of two main categories:
- Retirement Benefits (Pension)
- SSDI – Social Security Disability Insurance (Disability Benefits)
SSI (Supplemental Security Income)
SSI is an assistance program that is available to people who have low income and limited resources. You do not need to work before to get SSI.
When and How Will You Get Payment in July 2025?
SSI Payment – July 1, 2025
This time SSI payment will be on July 1. Usually, if the first date of a month falls on a weekend or holiday, the SSI amount is paid on the previous working day. For example, in June, SSI payment was made on the last day of May (May 31), because June 1 was a Sunday.
Social Security (Retirement and SSDI) – July 3, 2025
Two days after receiving the SSI amount, i.e. on July 3, Social Security retirees and SSDI recipients will receive their monthly amount. But not everyone will get this payment.
Will You Receive a Social Security Payment on July 3?
The rule is simple:
- If you started receiving Social Security benefits before May 1997, you receive a payment on the 3rd of every month. Such people will also receive payment on July 3 this time.
- But if you started receiving Social Security benefits after May 1997, you will receive your money on the second, third or fourth Wednesday of July.
For Example:
- Those whose birth date is between the 1st and 10th will get the payment on the second Wednesday (July 10).
- Those whose birth date is between the 11th and 20th will get the money on the third Wednesday (July 17).
- And those whose birth date is between the 21st and 31st will receive the money on the fourth Wednesday (July 24).
Who Can Get SSI?
There are some strict rules to be eligible for SSI. Let us understand them:
Low Income and Limited Resources
SSI is given to those who have low income and savings. If you have a lot of money, expensive property or other resources, you are not eligible for SSI.
Age or Health Related Conditions
You have to meet one of these conditions to be eligible for SSI:
- You are 65 years or older.
- You are blind.
- You have a serious disability that is long-term or can cause death.
You Must Have Applied and Been Approved
SSI is not an automatic benefit. You have to apply for it and your eligibility is checked.
Can You Get Both SSI and Social Security Together?
Yes, there are some people who are eligible for both Social Security (Retirement or SSDI) and SSI. If your Social Security income is very low, SSI can supplement it.
For Example:
If you only get $500 from retirement and your other income is very low, SSI can give you up to an additional $467 to help you reach the maximum limit of $967.
How Much Money Will You Get – The Truth About $1,999 and $717
Now let’s talk about the most important question – the $1,999 and $717 payments.
$1,999 – The Average Amount of Social Security
People receiving retirement or SSDI payments from Social Security were receiving an average of $1,999 in April 2025. This amount depends on an individual’s earnings, tax history and retirement age.
If you retire at age 70, pay Social Security taxes for 35 years and earn the maximum taxable income, you can get up to $5,108.
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But most people get an average payment of around $2,000.
$717 – Average SSI Amount
The average SSI amount in 2025 is $717. But this amount can vary from person to person. Some may get more and some may get less.
Maximum SSI Amount:
- Single person – $967
- Married couple (both eligible) – $1,450
- Essential person – $484
Average SSI Amount by Age:
- Children under 18 years of age get an average of $844
- Older citizens (65+ years) get an average of $592
This means SSI is not only for adults, but also for children who are unable to lead a normal life due to serious illness or disability.
Do You Have to Apply?
Yes, it is mandatory to apply for both Social Security and SSI. It is not automatic.
- You can apply for Social Security online or through an SSA office.
- The application for SSI is slightly different, in which many things like your assets, income, bank balance are examined.
Conclusion
The payment schedule for both Social Security and SSI is fixed in July 2025, but not everyone will get both benefits. If you have applied for SSI, and your income and resources are limited, then you can apply for it.
If you are eligible, you could receive $717 (or more) on July 1.
If you are covered under Social Security and are eligible, you could receive about $1,999 on July 3 or another Wednesday.
Note: Correct eligibility information and timely application are key. If you think you or a member of your household may be eligible, be sure to check the SSA website or contact your nearest Social Security office.
