Millions of people around the country are seeing a tiny increase in their July Social Security benefits due to the previously announced 2025 COLA. Payouts have been reflecting the rise since January, when it was set at 2.5 percent. The COLA is calculated annually by the SSA using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), a specific subset of inflation statistics decided by the Bureau of Labor Statistics. As inflation steadily decreased, that 2025 percentage increase was only 2.5%, less than the much larger adjustments anticipated in 2023 (8.7%) and 2024 (3.2%). For further info on this topic, see the post that follows.
Social Security Increase July 2025
As costs have increased, the SSA has been adjusting payments at the start of each calendar year since 1975. To determine the annual COLA, the CPI-W from the third quarter of the previous year is compared to the current year. According to the Social Security Administration, the COLA for 2025 is 2.5%, meaning that the average monthly Social Security payment will increase by $49 and that the average check for retired workers will now be $1,968. In December, a formal notice regarding their 2025 payouts should have been delivered to Social Security recipients. You can use your mySocialSecurity account to obtain the information online starting in mid-November.
Even though all Social Security benefits, including SSI direct transfers, were paid out in June, millions of people who qualify are eagerly awaiting their July 2025 payment. During the first week of July, two large payments will be paid to those who meet the Social Security Payment 2025 Eligibility Requirements established by the SSA. The first direct deposit, provided you qualify for SSI, will take place on July 1, 2025. This represents your continued eligibility for this Federal benefit, which you applied for and were granted. While you can receive your money on any of the four scheduled paydays if you receive Social Security, keep in mind that this is the only time that all recipients will receive their paychecks.
Social Security July 2025 Payment – Overview
| Post Title | Social Security Increase July 2025: Beneficiaries could See Average Increase with 2025 COLA |
| Department | Social Security Administration |
| Country | US |
| Recipients | Eligible citizens |
| Increased by | 2.5% |
| Category | Financial aid |
| Year | 2025 |
| Official portal | ssa.gov |
How much is the average increase in payments this month?
Although some confusion persists online, it’s crucial to make clear that July will not see any unusual mid-year increases. Beginning with January installments, the 2.5% increase was implemented, and the July disbursement maintained the same adjusted rate. In monetary terms, what does that mean? In 2024, the average monthly Social Security payout for a typical retiree was $1,927. That average increased by roughly $49 with the 2.5 percent COLA, making the new anticipated monthly payment $1,976.
The average monthly rise for married couples receiving benefits together was approximately $75, increasing their monthly income from $3,014 to $3,089 per month. Over the year, that means that individuals will make about $588 more, and couples will make nearly $900 more than they did the previous year. By the beneficiary’s birthdate, the July payment is distributed by the SSA’s regular timetable, just like all previous payments.
The first third of the month is when those born receive early payment, and the remaining categories receive payments all month long. This July schedule did not undergo any significant modifications from the SSA. It may not seem like much, but a $49 monthly increase is vital to helping Americans with disabilities and retirees keep their spending power when costs rise. Food, housing, and healthcare are necessities that can strain fixed-income citizens, even though the rise is not as high as it was two years ago.
SSI or SSDI Payments before July 4
What other changes were made in social security?
For Social Security retirement benefits in 2025, you will need to accrue 40 labor credits over your lifetime, with a maximum of four credits each year. The minimum wage or self-employment income needed to get one credit in 2025 is $1,810, up from $1,730 in 2024. To obtain four credits, you will now need to earn at least $7,240, up from $6,920 in 2024. In addition, the yearly income threshold for Social Security tax has gone up from $168,600 to $176,100. You can only make a certain amount of money and still be eligible for full Social Security payments if you are not yet of full retirement age. The upper limit will rise to $23,400 in 2025. (The cap for individuals who reach full retirement age in 2025 will be $62,160.)
Your salary throughout your working years and the age at which you begin receiving benefits are two of the many variables that affect how much you receive from Social Security. For retired employees, the average monthly Social Security payout in November 2024 was $1,925.46. According to the SSA, half of seniors who receive Social Security derive at least 50% of their household income from their payments. 90% or more of a quarter’s income comes from their check.
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