If you receive Supplemental Security Income (SSI), you’ll want to keep your eyes on your bank account this week — because a payment of up to $967 is landing on Monday, July 1, 2025. This isn’t just any routine deposit — it could be the largest monthly benefit some recipients get this year, and it arrives right before Independence Day, giving millions of Americans a financial boost for the holiday.
But who qualifies for the full amount? And why do some get paid early, while others wait until later in the month? Here’s everything you need to know about the July 1 Social Security payout — and whether your name is on the list.
Who’s Actually Getting Paid on July 1?
Only a specific group receives Social Security payments on the first of the month — and that group is SSI-only recipients. If you receive only SSI (not combined with retirement or disability benefits), you’re scheduled to get paid on the first day of each month, unless that date falls on a weekend or holiday.
Since July 1 falls on a Monday this year, no delays or adjustments are needed, meaning your payment should hit your Direct Express card, bank account, or mailbox (if by check) on time.
How Much Will You Receive — And Why Is It $967?
The maximum SSI payment for 2025 is set at $967 per month for individuals. Couples who both qualify for SSI can receive up to $1,450, while those who care for a qualified recipient — known as “essential persons” — may receive up to $484.
These amounts increased earlier this year due to a 2.5% cost-of-living adjustment (COLA) that went into effect in January. The goal of the COLA is to ensure benefits keep up with inflation, especially for vulnerable groups like the elderly, people with disabilities, and low-income families.
That said, not everyone receives the full $967. Your actual payment may be reduced depending on:
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Any other sources of income
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Living arrangements (if someone else pays your housing or food)
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Whether your state offers additional supplements to boost your federal amount
So while $967 is the cap, your monthly benefit could be lower — or higher if your state adds extra support.
What About Other Social Security Payments?
If you receive Social Security retirement, disability (SSDI), or survivor benefits, your payment schedule is totally different. Those benefits are usually deposited based on your birthdate or when you first filed for Social Security. Here’s how July is shaping up:
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SSI recipients only → Paid Monday, July 1
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Filed before May 1997 OR receiving both SSI and SS → Paid Wednesday, July 3
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Birthdays 1–10 → Paid Wednesday, July 9
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Birthdays 11–20 → Paid Wednesday, July 16
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Birthdays 21–31 → Paid Wednesday, July 23
So if you’re not part of the SSI-only group, your payment will arrive later in the month. But if you are, July 1 is your payday.
What If You Don’t See Your Payment?
Don’t panic if your payment doesn’t show up first thing in the morning — sometimes banks and the SSA process deposits later in the day. However, if by July 2 your funds still haven’t arrived, take action:
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Check your “my Social Security” account to verify deposit status
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Call SSA directly at 1-800-772-1213
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Visit your local Social Security office if you need in-person help
Also keep in mind that if you’re getting a paper check, delivery can take several days depending on your location and mail service.
Final Takeaway: Are You on the List?
If you receive SSI only, you’re first in line — your payment of up to $967 is scheduled to arrive on Monday, July 1. Everyone else will have to wait for their scheduled date later in the month. Check your account early, plan ahead for the week, and don’t forget: even if your payment is lower than the maximum, it could still go further this month thanks to food aid programs, utility discounts, and July 4 holiday freebies in many cities.
