In today’s era, when inflation and financial instability have made life challenging for the elderly, retired citizens and the disabled, America’s Social Security plan remains the backbone of stability for millions of citizens. The second week of July 2025 has started and the biggest good news of this week is that the next installment of Social Security is going to come on July 20
But the question arises—will you also get this payment? If yes, then how much? And if not, what to do? Let us know the answers to all these questions in detail in this article.
Who will get Social Security payment on July 20?
If your date of birth is between 1 and 10 of the month and you are taking retirement, spousal or survivor benefits, then your next installment may come on Wednesday, July 20, 2025.
The Social Security Administration (SSA) makes payments every month according to a set schedule. This schedule is based on date of birth to ensure smooth payments to more than 70 million beneficiaries on different dates.
July 2025 Payment Schedule
| Birth Date Range | Payment Date |
|---|---|
| 1 to 10 | July 9 (Wednesday) |
| 11 to 20 | July 16 (Wednesday) |
| 21 to 31 | July 23 (Wednesday) |
Important: If you’ve been receiving Social Security payments since before May 1997, your installment was already sent on July 20.
How much money will you get in Social Security?
Now the most important question—how much will you get? The answer depends on your lifetime earnings, retirement age and certain personal circumstances.
Social Security payments are based on:
- Your highest earnings over the past 35 years
- That income is adjusted for inflation
- The age at which you started taking benefits also affects payments
On average, as of May 2025:
- Average Social Security payment: $2,002.39 per month
- If you retire at age 62: Up to $2,831
- If you retire at age 67: Up to $4,018
- If you retire at age 70: Up to $5,108
Note: This amount is gross. It may also be deducted for Medicare Part B premiums or federal taxes. If you voluntarily chose a tax deduction or your income is higher, you may not receive the full amount.
New law to provide relief to the elderly: One Big Beautiful Bill Act
The new law introduced by former President Donald Trump—One Big Beautiful Bill Act will be in force from 2025 to 2028 and has given a big relief to senior citizens from tax.
Key benefits:
- Citizens aged 65 years or older will get an additional standard deduction of $6,000
- This benefit will be phased out if your income:
- Are single and earning more than $75,000
- Are married and earning more than $150,000
This will reduce the taxable income of most seniors, so that they will not have to pay tax on Social Security. According to the SSA, about 90% of beneficiaries will now be exempt from tax.
What to do if payment does not arrive on time?
Sometimes payments may be delayed due to technical reasons, banking delays or holidays. But there is no need to panic.
According to SSA guidelines:
- Wait for 3 business days
- Saturdays, Sundays and national holidays are not included
- Then get information in the following ways:
Where to contact?
- Check your status: ssa.gov/myaccount
- Call: 1-800-772-1213
- If hard of hearing: TTY 1-800-325-0778
How to prepare yourself?
Social Security is not just a payment, but the foundation of financial stability for millions of Americans. That’s why it is important to always stay updated.
Tips:
- Always track your payment date
- Keep information updated by logging into your “My Social Security” account
- Stay updated with new laws and tax changes so you can plan better
Conclusion:
The Social Security installment due on July 20, 2025 is a relief for millions of elderly and needy Americans who depend on this assistance every month. This is not just a government scheme, but an assurance that the government stands with its senior citizens.
With new laws and increased benefits, the elderly now have the opportunity to save more, pay less and plan better. If you are eligible, prepare for this payment. And if not, review your details—maybe a change will make you eligible.
FAQs
Q1. Who will receive the Social Security payment on July 20, 2025?
A. If your birthday falls between the 1st and 10th of any month and you’re receiving retirement, spousal, or survivor benefits, you’re likely to get paid on July 9. This follows the SSA’s set payment schedule based on birthdates.
Q2. How much Social Security money can I expect to receive?
A. The amount depends on your earnings history and the age you began collecting benefits. For July 2025, the maximum payment could go up to $5,108 for those who retired at age 70.
Q3. What should I do if I don’t get my payment on time?
A. If your payment hasn’t arrived by three business days after July 9, check your SSA account online or call the SSA directly. Delays can happen due to holidays or banking issues.
Q4. Will taxes be deducted from my Social Security check?
A. Yes, Medicare premiums and federal taxes might be deducted depending on your income level and tax preferences. However, recent tax law changes may reduce taxable income for many seniors.
Q5. What is the new tax relief law and how does it help seniors?
A. The new “One Big Beautiful Bill Act” offers a $6,000 extra standard deduction for seniors aged 65+. This change means about 90% of retirees may no longer pay taxes on their Social Security benefits.