If you’re one of the millions of Americans who rely on Supplemental Security Income (SSI), there’s a date you need to mark on your calendar: July 23, 2025. Due to a federal holiday, the Social Security Administration (SSA) is shifting its regular payment schedule—and that means your check could arrive early.
But is this a bonus? Not quite. And if you’re not ready for the change, it could lead to budget hiccups. In this guide, we’ll explain why this is happening, when you’ll get your money, and how to plan ahead.
Table of Contents
Overview
| Topic | Details |
|---|---|
| Reason for Delay | July 23 is a federal holiday |
| New Payment Date | Payment will arrive early on June 30, 2025 |
| Affected Payments | Only SSI payments are affected |
| COLA Increase | 2.5% Cost-of-Living Adjustment included in the July check |
| Official Resource | SSA.gov – Payment Schedule |
Why the Change in Schedule?
The SSA normally issues SSI payments on the first of each month. But when that date lands on a weekend or federal holiday, the payment is bumped up to the nearest prior business day. In this case, July 23 is a holiday, so the SSA is issuing payments on June 30 instead.
This helps avoid issues with bank closures and ensures recipients aren’t left waiting for their money. But it also means there will be no separate July payment, which could create a longer gap before the next check (due August 1).
COLA Boost
SSI recipients will also see a 2.5% Cost-of-Living Adjustment (COLA) reflected in their July payment. This helps your benefits keep pace with inflation.
Updated SSI Maximums for 2025:
| Category | 2024 Amount | 2025 Amount |
|---|---|---|
| Individuals | $943 | $967 |
| Couples | $1,409 | $1,444 |
You should see the new amount in your June 30 deposit (for July). It’s a small increase, but it can help with rising grocery, rent, and healthcare costs.
What This Means for You
This isn’t a bonus—it’s an early delivery of your normal benefit. The downside? You won’t receive another SSI check in July. That means you’ll need to make the June 31 payment stretch until August.
Here’s how to prepare.
Smart Tips to Manage the Shift
Use the June 30 payment to cover your July expenses—not June extras. Create a spending plan to avoid falling short.
Check Your Payment
Use direct deposit? Log in to your bank account on June 30 to confirm it arrived. Still getting checks in the mail? Give it 3–5 business days. If it’s missing, call SSA at 1-800-772-1213.
Watch the COLA Increase
Check that your new benefit includes the 2.5% boost. If it doesn’t match the expected amount, report the issue immediately to SSA.
Help in Your Area
Need extra support? Look into:
- SNAP (food stamps)
- Utility payment assistance
- Community food banks
- Non-profit budgeting programs
Local agencies can often help bridge the gap during months with no check.
Use Tools from SSA
Set up an account at SSA.gov to view your payment history, benefits, and upcoming payment schedule. It’s an easy way to stay informed and catch issues early.
The Social Security delay in July 2025 is more of a rescheduling than a disruption. While your payment will arrive early on June 30, there won’t be another check in July—so budgeting becomes even more important. With the 2.5% COLA added in, it’s a good time to review your finances and adjust for the months ahead.
By planning now, you can ride out the change without stress. Keep an eye on your deposit, know your benefit amount, and look into extra support if needed. Being proactive today can prevent a shortfall tomorrow.
FAQs
Why is my SSI payment arriving early?
Because July 23, 2025, is a federal holiday, so SSA sends it early.
Will I get another SSI check in July?
No, the June 31 payment is your July check paid early.
Has the SSI amount increased?
Yes, a 2.5% COLA increase is included in the July payment.
What if my payment doesn’t arrive?
Contact SSA at 1-800-772-1213 or visit your local SSA office.
How do I check my SSI payment status?
Log in at SSA.gov or check with your bank for direct deposits.
