In July 2025, many Americans will get money from Social Security. Some people may get as much as $5,108 this month. But not everyone will get this high amount.

Only a few people get the full $5,108. Most people will get less. It depends on how much you worked and how much Social Security tax you paid.

Who Gets the Maximum $5,108?

To get the full $5,108, you must meet some tough rules. You need to work for at least 35 years. You also need to pay the most Social Security tax every year.

Also, you must wait until age 70 to start your retirement benefits. If you start early, you will get less money. That’s why only a few people get the top amount.

Average Payments for Most People

Most people get much less than $5,108. In 2025, the average monthly benefit is about $1,907. This is what most retired people will get.

Here’s a table of average benefits for different groups:

Type of Benefit	Average Monthly Amount (2025)
Retired Workers	$1,907
Disabled Workers	Varies based on condition
Survivor Benefits	Varies by family situation
Supplemental Security Income	For low-income seniors & disabled

Different programs give different amounts. Retired workers, disabled people, and families of people who died all have their own benefits.

Who Can Get Payments in July?

To get a payment in July, you must already be part of a Social Security program. This means you need to apply and get approved before.

You must also have enough work credits. Most people need 40 credits. That usually means working for about 10 years.

Some people can also qualify through a family member, like a deceased spouse or parent. Social Security is for those who paid into the system.

When Will You Get Paid?

Payments are sent on certain dates in July, depending on your birthday or the type of benefit you get.

Here’s the payment schedule:

Group	Payment Date (July 2025)
SSI Recipients	Tuesday, July 1
Benefits before May 1997	Wednesday, July 3
Birthdays from 1st–10th	Wednesday, July 10
Birthdays from 11th–20th	Wednesday, July 17
Birthdays from 21st–31st	Wednesday, July 24

If you get direct deposit, the money should come on that day. Mailed checks may take longer.

How Social Security Decides Your Payment

Your benefit is based on your highest 35 years of earnings. These years are adjusted for inflation.

The age you start taking benefits also matters. If you start at 62, your monthly money is lower. If you wait until 70, you get more.

There’s also a cost-of-living increase in 2025. This means you get a small raise to help with higher prices.

What If Your Payment Is Missing?

If you don’t get your payment three days after the date, take action. First, check with your bank. Sometimes, direct deposit has problems.

If that doesn’t help, call the Social Security office at 1-800-772-1213. They can help fix the issue.

Common problems include wrong bank details or old addresses. Fixing these helps avoid delays in the future.

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