With inflation concerns still looming and economic recovery uneven across the U.S., talk of new stimulus payments always attracts attention. Recently, a $1,702 stimulus payment for July 2025 has made headlines, raising questions about eligibility, payment dates, and what’s actually being sent out by the federal government.
Here’s what we know about the $1,702 payment, who might receive it, and the July 2025 payment schedule across Social Security and other federal benefit programs.
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Is the $1,702 Stimulus Real?
Let’s be clear: there is no official nationwide fourth stimulus check approved by Congress or the White House in July 2025.
However, some Social Security recipients — particularly those on Social Security Retirement, SSI, or SSDI — may receive payments around or exactly $1,702, depending on their benefit tier. That’s why many headlines refer to it as a “$1,702 stimulus,” even though it’s part of regular scheduled Social Security payments, not a separate relief program.
The average Social Security retirement benefit in 2025 is approximately $1,702 per month, following the cost-of-living adjustment (COLA) increase applied in January.
Who Gets the $1,702 Payment?
The $1,702 figure represents the average monthly retirement benefit. The actual amount varies depending on work history, age at retirement, and contributions to Social Security.
Groups who may see payments of $1,702 (or close):
- Retirees receiving Social Security Retirement Benefits
- SSDI recipients (Social Security Disability Insurance)
- SSI recipients with supplemental benefits (amount may be lower or higher)
- Some surviving spouses or dependents receiving survivors’ benefits
These are scheduled monthly benefits, not one-time checks.
July 2025 Payment Schedule
The Social Security Administration (SSA) issues payments based on birth dates and program type. Here’s the full July 2025 Social Security payment schedule:
July 2025 Social Security Payment Dates
| Recipient Type | Payment Date |
|---|---|
| SSI Recipients | Tuesday, July 1 |
| SSDI & Retirement (born 1st–10th) | Wednesday, July 10 |
| SSDI & Retirement (born 11th–20th) | Wednesday, July 17 |
| SSDI & Retirement (born 21st–31st) | Wednesday, July 24 |
| Those receiving benefits before May 1997 | Wednesday, July 3 |
Note: If your regular payment date falls on a weekend or federal holiday, you’ll typically receive it on the business day before.
No Stimulus Checks – But Benefit Adjustments Continue
Although there’s no fourth federal stimulus check, several states continue to offer tax rebates or targeted inflation relief. And nationally, COLA increases have boosted benefit payments — which explains why the average July 2025 Social Security check is $1,702.
The Social Security COLA for 2025 is around 3.2%, boosting average retirement benefits by about $55–$60/month compared to 2024.
How to Check Your Payment
If you’re unsure about your benefit amount or payment schedule:
- Log in to mySocialSecurity
- Check your Payment History and upcoming deposit dates
- Update direct deposit info or address, if needed
You can also call the SSA directly at 1-800-772-1213, though expect longer wait times, especially early in the month.
What You Should Know
- $1,702 is not a new stimulus check, but the average monthly Social Security retirement payment in July 2025.
- There is no new federal stimulus package approved as of mid-July 2025.
- Regular payments are going out based on the SSA’s schedule.
Fact Check: Is There a $1,702 Stimulus Check in July 2025?
Claim: The federal government is issuing a new $1,702 stimulus check to all Americans in July 2025.
Fact: False. There is no new stimulus check being issued. The $1,702 amount refers to the average monthly Social Security retirement benefit following the 2025 cost-of-living adjustment (COLA).
Some headlines and social media posts have misrepresented this average benefit amount as a new stimulus payment. In reality, this is part of the regular Social Security payment schedule and only applies to eligible beneficiaries.
No federal legislation has been passed authorizing a new stimulus check as of July 2025.
Source for Verification
You can confirm benefit payment dates and average monthly amounts directly from the official Social Security Administration:
Social Security Administration – 2025 Payment Calendar and Info
https://www.ssa.gov/pubs/EN-05-10031-2025.pdf
