Over 72.5 million Americans receives key benefits and financial aid monthly from the Social Security Administration. The primary beneficiaries of Social Security benefits are seniors, survivors, retirees, widows, and individuals with disability in the United State.
Social Security COLA Changes for July 2025
There is a good news for the social security recipients – they can see additional payment of around $50 in their present social security checks because of 2.5% COLA increase for 2025. However, this increment in social security payments may not seem a lot but it is crucial for those Americans who depend largely on it for their monthly expenditures.
Thus, if you are recipient of one of the Social Security benefit, then you might receive your July social security benefit increase by around $50. As the cost of living and inflation rate are dramatically rising, this additional amount may improve your purchasing power ability.
So, in this article, we will explore Social Security COLA changes for July 2025. In addition, I have also covered key information related to Social Security benefits including their payment date, upcoming changes and other details.
Social Security COLA Benefits – Overview
| Article On | Social Security COLA Changes for July 2025 |
| Country | United States |
| Department | Social Security Administration |
| Beneficiary | Eligible seniors, survivors, retirees and individuals with disability |
| 2025 COLA Increase | 2.5% |
| Payment Frequency | Monthly |
| Category | Government Aid |
| Official Website | ssa.gov |
Social Security COLA Changes for 2025
The recipients will be able to notice extra payment of approximately $50 in their July social security checks due to the 2.5% COLA hike for 2025. Although this increase in social security payments will not look much but for those Americans who rely heavily upon it for their monthly spending, this is very important.
Furthermore, there is a particular payment schedule and method of distribution followed each month but in the case of payment of July 2025, there is a considerable change. The payment through paper check will be done differently, and this would affect the social security beneficiaries who have chosen this option.
What is COLA and How it is calculated?
the COLA is defined as the percentage rise in the CPI-W between the 3rd quarter of the past year and the 3rd quarter of the present year. In order to maintain payments in line with inflation, Social Security beneficiaries get yearly COLAs.
The Consumer Price Index for Clerical Workers and Urban Wage Earners, or CPI-W, is used to compute COLAs. It keeps track of price changes based on hourly workers’ expenses. This system keeps Social Security benefits up to date with inflation so that eligible Americans can afford basic living standards.
Key Social Security Programs
The federal government of United States provides financial support to its citizens through different Social Security programs. Social Security Administration administers these programs. The key Social Security Programs are –
- Supplemental Security Income – It’s a federal benefit that provides a monthly payment to people 65 years of age or older, disabled, blind, or with low income and resources for strengthening their financial stability. An eligible recipient’s monthly income and family history determine how much they get under Supplemental Security Income.
- Social Security Disability Insurance – Millions of eligible Americans who are disabled and unable to perform any type of work are financially supported by SSDI program. Under this program, qualified recipients receive a monthly payment to ensure a stable income upon retirement. The recipients’ benefits are determined by their years of employment and the amount they paid in social security taxes.
Payment Date of Social Security Benefits for July 2025
About 72.5 million U.S. citizens are beneficiaries and recipients of Social Security Benefits. With such a huge number of recipients, it is not feasible for the entire claimants to be paid on the same date every month. The majority are paid depending on their birthday. It allows Social Security Administration to prevent errors and any kind of mistakes while disbursing payments to eligible recipients. You can take help from below table to know social security payment dates for July month.
| Date of Birth | July Payment Date for 2025 |
| Recipients born between 1st and 10th of a month | July 10, 2025 (Wednesday) |
| Recipients born between 11th and 20th of a month | July 17, 2025 (Wednesday) |
| Recipients born between 21st and 31st of a month | July 24, 2025 (Wednesday) |
However, those who started getting retirement, spouse, or survivor benefits prior to May 1997, or who also get Supplemental Security Income (SSI), have a different payment schedule. The July payment date for these programs is –
- Social Security Benefits – Individuals who receiving survivor, spouse and retirement benefits prior to May 1997 will receive their next month payment on July 3, 2025. On 3rd day of each month, these recipients get their social security benefit as date of birth criteria does not apply to their payment schedule.
- Supplemental Security Income – Beneficiaries of this program receive their payment on first of each month. So, the payment date of SSI for the next month is July 1, 2025.
Upcoming Social Security Changes
Almost 500,000 recipients still get their social security payments in the form of paper check, although that too will change in the near future. The SSA is planning to disburse all benefits electronically, however there the official announcement is yet to be made. This change is taking place because back in March, President Donald Trump signed an executive order named “Modernizing Payments To and From America’s Bank Account”.
It signifies that all government payments, including tax returns, vendor disbursements, Social Security, SSDI, and SSI, will have to be done electronically from September 30, 2025. As per the Social Security Administration, 493,775 remittances are and continue to be sent through paper check this month, across the 50 states and territories of the U.S. which are 8.7 percent of total benefit payments.
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