If you are looking for the Social Security Payment Schedule for July 2022 look no further. We can help you. Social Security pays benefits in the month following the month for which they are due. For example, the March benefit is paid in April.
For those on Social Security retirement benefits or disability (SSDI or SSI), knowing when your payments will be deposited each month is crucial.
That’s because, for a majority, the monthly Social Security benefit is the main source of income.
Knowing the payment date helps you plan ahead and ensure that your bills are paid on time.
In addition, if you know when the payment will be deposited and available, you can plan for cash withdrawals from your account.
In the post below, we have explained in detail how the Social Security Payment Schedule works and provided you with the specific dates on which your December benefit payments will be deposited into your account.
See the August 2022 Payment Schedule here.
This Post will Cover:
- No More Paper Checks for Social Security Benefits
- How Social Security Payment Calendar Works
- Social Security Payment Schedule for July 2022
- Complete 2022 Social Security Payments Schedule
- What To Do If You Don’t Recieve Your Benefits
- Social Security Benefits Questions and Answers
No More Paper Checks for Social Security Benefits
Since 1935, the Social Security Administration (SSA) has mailed paper checks to Social Security beneficiaries.
However, that ended in May 2011.
That’s because Congress passed a law that required all recipients of payments from federal benefits programs to sign up for electronic payments.
Since then, all new recipients of Social Security and Supplemental Security Income disability have been required to sign up for electronic payments.
In addition, existing recipients of Social Security and SSI had to comply with the new requirements by March 1, 2013.
As a result, the SSA no longer mail paper checks for Social Security benefits, including disability payments.
How Social Security Payment Schedule Works
If you are receiving Social Security Retirement or Social Security Disability Insurance benefits (SSDI), your payment date depends on your birth date.
In addition, If you are receiving payments on the record of a retired, disabled, or deceased worker (for example, spousal or survivor benefits), that person’s birthday sets the schedule.
Here’s how the Social Security Payment schedule works for those who receive Social Security retirement benefits or SSDI:
- If your birthday is in the first 10 days of the month, then you’ll receive your benefits payments on the second Wednesday of each month.
- For those with birthdays between the 11th and the 20th, benefit payments are deposited on the third Wednesday of the month.
- Payments are made on the fourth Wednesday of the month for those with birthdays on the 21st or later.
Here is a table that better displays how the payment schedule works:
| BIRTHDAY | PAYMENT DATE |
|---|---|
| 1st – 10th | Second Wednesday |
| 11th – 20th | Third Wednesday |
| 21st – 31st | Fourth Wednesday |
Now that you understand how the payment schedule works, it’s time to review the 2022 payment calendar as released by the SSA.
Exception
If you’ve been receiving Social Security benefits prior to May 1997 or you get both Social Security and SSI payments, here’s what you need to know:
Your payments will be made on the 3rd of each month. If the 3rd falls on a weekend or holiday, payment will be made on the preceding Friday.
Here is the complete SSI payment schedule for 2022.
First, we have first listed dates for those only receiving SSI benefits.
Next, we have provided dates for those receiving both Social Security retirement benefits and SSI.
Social Security Payment Schedule for July 2022
Here is when to expect your Social Security payment for July 2022:
Social Security and Social Security Disability Insurance (SS and SSDI)
For those receiving Social Security Retirement Benefits or Disability Benefits, here is your payment schedule for July:
- If your birth date falls on the 1st – 10th day of the month, benefits are paid on July 13th.
- Also, if your birth date falls on the 11th – 20th day of the month, benefits are paid on July 20th.
- If your birth date falls on the 21st – 31st day of the month, benefits are paid on July 27th.
Supplemental Security Income (SSI) Payment Schedule
If you receive Supplemental Security Income (SSI), you will receive your payments on the 1st of each month.
The exception is when the 1st falls on a weekend or holiday.
If the first falls on a holiday, then you will receive your payment the business day before.
However, if the first falls on a weekend, you’ll receive your payment on the preceding Friday.
July 2022 SSI Payment Schedule
Since July 1st, 2022 falls on a Friday, SSI payments for the month will be deposited on Friday, July 1st, 2022.
If you receive your payment via a bank account or a prepaid debit card like the Direct Express Debit card, you should see your benefits in your account on or before Friday, July 1st, 2022.
Both SS and SSI Recipients
Since July 3, 2022, falls on a Sunday, you will receive your benefits on Friday, July 1st, 2022.
The Complete 2022 Social Security Payment Schedule
Here is a simplified version of the 2022 Social Security Payment Calendar for Social Security retirement benefits and SSDI beneficiaries.
If your birthday falls between the 1st and 10th:
- January 12
- February 9
- March 9
- April 13
- May 11
- June 8
- July 13
- August 10
- September 14
- October 12
- November 9
- December 14
If your birthday falls between the 11th and 20th:
- January 19
- February 16
- March 16
- April 20
- May 18
- June 15
- July 20
- August 17
- September 21
- October 19
- November 16
- December 21
If your birthday falls between the 21st and 31st:
- January 26
- February 23
- March 23
- April 27
- May 25
- June 22
- July 27
- August 24
- September 28
- October 26
- November 23
- December 28
Supplemental Security Income (SSI) Payment Schedule for 2022
For SSI recipients, benefits will arrive on the first of the month.
However, if the 1st of the month falls on a Saturday, Sunday, or a federal holiday, you will be paid on the business day before then.
For example, if the 1st of the month falls on a Saturday, you’ll receive your benefits the Friday before.
| 2022 | SSI | Both SS & SSI |
| January | 31-Dec-2021 | 3 |
| February | 1 | 3 |
| March | 1 | 3 |
| April | 1 | 1 |
| May | 29-Apr-2022 | 3 |
| June | 1 | 3 |
| July | 1 | 1 |
| August | 1 | 3 |
| September | 1 | 2 |
| October | 30-Sep-2022 | 3 |
| November | 1 | 3 |
| December | 1 | 2 |
What To Do If You Don’t Recieve Your Benefits
If you do not receive your payment on your specified day or date, the Social Security Administration asks that you wait three mailing days before contacting them.
You can contact Social Security at 1-800-772-1213.
See the December 2021 Social Security Payment Schedule.
Social Security Benefits Questions and Answers
Here is the summary of the most frequently asked Social Security Benefits Questions and Answers.
How Did Social Security Start?
The Social Security Act was signed into law by President Franklin Delano Roosevelt in August 1935.
Initially, it only paid a single lump-sum retirement benefit.
However, monthly payments were implemented in 1940.
In its current form, Social Security is a collection of programs that include:
- Retirement benefits
- Disability benefits
- Survivors benefits
- A lump-sum death benefit
Are my Social Security Retirement Benefits Taxable?
The answer depends on your income from other sources.
According to IRS rules, you will pay tax on only 85 percent of your Social Security benefits if you fall into one of these categories:
File a federal tax return as an “individual”
If you file a federal tax return as an “individual” and your combined income is between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your benefits.
However, if your combined income is more than $34,000, up to 85 percent of your benefits may be taxable.
File a joint return with your Spouse
If you file a joint return, and you and your spouse have a combined income that is between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits.
However, if your combined income is more than $44,000, up to 85 percent of your benefits may be taxable.
Are married and file a separate tax return
If you are married and file a separate tax return, you probably will pay taxes on your benefits.
What is the Social Security Full Retirement Age?
The Social Security full retirement age is the age at which individuals become eligible for full, un-reduced Social Security benefits.
Your full retirement age is based on the year when you were born.
However, for people born in 1960 and later, the full retirement age is 67.
Also, the earliest age at which you can claim Social Security retirement benefits is at age 62.
However, claiming benefits prior to your full retirement age means you will get a reduced amount.
Also, starting benefits prior to full retirement age means you receive benefits over a longer period of time, but the amount you get will be reduced, perhaps significantly.
How Much does Early Retirement Reduce Social Security Amount?
If you file for Social Security benefits at 62, it means that you are filing 60 months early.
This will permanently reduce your monthly benefit by 30 percent.
As an example, if you would have been entitled to $1,000 a month at full retirement age, you will get $700 if you start benefits when you turn 62.
Here’s what the reduction would be in subsequent years.
- 25 percent at age 63
- 20 percent at age 64
- 13.3 percent at age 65
- 6.7 percent at age 66
Are Social Security Benefits Adjusted For Inflation?
Yes. Cost-Of-Living Adjustments (COLAs) are made based on the Consumer Price Index, which is calculated by the Department of Commerce to evaluate price changes of goods and services.
Here are the Social Security Cost-Of-Living Adjustments over the last few years:
2022: 5.9%
2021: 1.3%
2020: 1.6%
2019: 2.8%
2018: 2%
2017: 0.3%
2016: No increase.
2015: 1.7%
2014: 1.5%
2013: 1.7%
2012: 1.7%
2011: 3.6%
Social Security Payment Schedule for July Summary
Here’s the bottom line:
If you receive Social Security retirement benefits or SSDI, then your benefits will be paid based on your birthdate.
SSI (Supplemental Security Income) payments are issued on the first of every month.
For July 2022:
Social Security and SSDI payments will be made using the schedule below:
- on July 13th if your birth date falls on the 1st – 10th day of the month.
- If your birth date falls on the 11th – 20th day of the month, you will get your deposit on July 20th.
- Finally, if your birth date falls on the 21st – 31st day of the month, your benefits will be paid on July 27th.
For SSI recipients:
July 1st, 2022 falls on a Friday, SSI payments for the month will be deposited on Friday, July 1st, 2022.
Both SS and SSI Recipients
Also, since July 3, 2022, is on a Sunday, you will receive your benefits on Friday, July 1st, 2022.
Questions?
If you still have questions, you should leave a comment below.
However, what may be an even greater help is to join our FREE Facebook members group about Making Sense of Social Security Benefits.
It’s a very active group with some really smart people who love to answer any questions you may have about Social Security Benefits.
Also, from time to time, our team of editors drop in to contribute and answer questions.
Finally, be sure to check out our other articles about Social Security and Disability Benefits, including:
