Washington, D.C. — Time is running out for millions of Americans who depend on Social Security Disability Insurance (SSDI). With July payments set to begin in just 48 hours, beneficiaries should brace for a critical few weeks ahead. Whether you’re a long-time recipient or newly enrolled, here’s what to expect—and when.

First Payments Land July 3

The first SSDI payment for July 2025 is scheduled for Thursday, July 3, and will be issued to two groups:

• Individuals who began receiving SSDI before May 1997
• Those who receive both SSDI and Supplemental Security Income (SSI)

This early payment is timed to ensure recipients have funds in hand ahead of Independence Day on July 4.

SSDI Payment Schedule Based on Birthdays

For everyone else—those who started SSDI after April 1997 and do not receive SSI—payments will be staggered based on birth dates:

• July 9 (Wednesday): Birthdays between 1st–10th
• July 16 (Wednesday): Birthdays between 11th–20th
• July 23 (Wednesday): Birthdays on or after 21st

Payments will be made via direct deposit. If the money doesn’t arrive within three business days of the scheduled date, beneficiaries are urged to call the Social Security Administration (SSA) at 1-800-772-1213.

How Much Will You Get?

There’s a wide range in payment amounts. While the maximum monthly SSDI check can go up to $4,018, that’s typically reserved for those who paid into Social Security at the maximum taxable rate for 35+ years.

Most recipients can expect a more modest figure:

• Average SSDI payment for July 2025: $1,581
• This includes a 2.5% COLA (cost-of-living adjustment) over 2024 levels.

SSI Payments Already Sent

Those receiving Supplemental Security Income (SSI) received their July checks on July 1. The maximum SSI payout is:

• $943 per individual
• $1,450 for qualifying couples

Receiving Both SSDI and SSI? You’re Paid First

If you receive both SSDI and SSI, you’re among the first to be paid—on July 3, regardless of your birthday.

Heads-Up: Paper Checks Ending in 2025

In a significant change, the SSA will eliminate paper checks starting October 1, 2025. All payments will be made electronically via:

• Direct deposit
• Social Security Direct Express debit card

If you still receive checks by mail, it’s time to open a bank account or apply for a prepaid government card.

Important Reminder: Report Changes Promptly

Receiving SSDI means you’re responsible for updating your status:

• Started working—even part-time?
• Got married?
• Health condition improved?

You must notify the SSA. Failing to do so could result in benefit suspension or repayment demands.

Final Thoughts

Mark your calendars, double-check your bank account, and stay informed. While $4,000+ payments are rare, every dollar matters—especially for those on tight budgets. For updates or questions, visit your “My Social Security” account at ssa.gov or call 1-800-772-1213.