July 2026 Social Security Payment Schedule & Benefit Dates
July 4, 2026 is a Saturday; the observed Independence Day holiday is Friday, July 3. That moves the pre-1997 / dual-eligibility payment (normally the 3rd) to Thursday, July 2. SSI stays on Wednesday, July 1. Birthday cohorts deposit July 8, 15, and 22.
1 of 5 cohorts are holiday-adjusted this month
July 2026 — Independence Day shifts the 3rd-of-month payment
- Independence Day observed Fri Jul 3 → pre-1997 paid Thu Jul 2
- SSI on Wed Jul 1 (on schedule)
- Wednesday cohorts: Jul 8 (1–10), Jul 15 (11–20), Jul 22 (21–31)
SSI
Supplemental Security Income
July 01, 2026
1st of the month (or prior business day)
Pre-1997 / Dual eligibility
Claims before May 1997 or concurrent SSI
July 02, 2026
3rd of the month (or prior business day)
Birthdays 1–10
Post–May 1997 Title II
July 08, 2026
2nd Wednesday (holiday → prior business day)
Birthdays 11–20
Post–May 1997 Title II
July 15, 2026
3rd Wednesday (holiday → prior business day)
Birthdays 21–31
Post–May 1997 Title II
July 22, 2026
4th Wednesday (holiday → prior business day)
July 2026 schedule FAQs
Why is the July 2026 ‘3rd of the month’ payment on July 2?
July 3, 2026 is the observed Independence Day holiday (July 4 is Saturday). Pre-1997 / dual-eligibility payments due on the 3rd move to the prior business day — Thursday, July 2.
Does Independence Day move Wednesday birthday payments in July 2026?
No. The July Wednesday deposits (8th, 15th, 22nd) are regular business days and stay on schedule.
When is July 2026 SSI deposited?
Wednesday, July 1, 2026 — the 1st is a business day, so SSI is not shifted.
Adjacent months & tools
Compare July 2026 with neighboring months, the full-year calendar, or estimate your net deposit after Medicare and tax withholding.
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.