Monthly Social Security Disbursements: July 2025 Edition
In 2025, the maximum spousal Social Security benefit a retired worker's spouse can receive at the age of 70 is 50% of the spouse's benefit at full retirement age. This represents a significant increase of 30.7% compared to the benefit at full retirement age [1].
However, claiming spousal benefits before full retirement age results in a reduction. For instance, if a spouse claims benefits as early as 62, the benefit percentage drops to about 32.5% [3]. It's important to note that unlike the primary earner’s benefit, delaying past full retirement age does not increase spousal benefits beyond 50% of the primary earner’s full retirement amount [3][4].
The average spousal benefit, calculated as a percentage of the primary earner’s benefit, falls within this range. For example, if the average primary earner monthly Social Security benefit in 2025 is approximately $2,000, the average spousal benefit—if claimed at full retirement age—would be up to about $1,000 per month [2].
The average Social Security monthly checks for spouses of retired workers in July 2025 was $954.19, while the average Social Security monthly check for retired workers was $2,006.69 [5].
The Social Security Administration uses a formula to calculate benefits based on the 35 highest-earning years. The average Social Security monthly check for children of retired workers in July 2025 was $924.47 [6].
It's crucial to understand that while Social Security benefits replace around 40% of pre-retirement earnings on average, it's advisable to supplement them with a 401(k), IRA, or other investments for a comprehensive retirement plan [7]. Working with a financial adviser or registered Social Security analyst can also help with retirement planning.
The article does not provide new information about the Social Security payment schedule for 2025, whether Donald Trump claims Social Security benefits, or the potential cost of Social Security's 2033 shortfall.
[1] Social Security Administration. (2025). Maximum Social Security Benefits. Retrieved from https://www.ssa.gov/oact/cola/maxben.html [2] Social Security Administration. (2025). Average Social Security Benefits. Retrieved from https://www.ssa.gov/oact/quickcalc/index.html [3] Social Security Administration. (2025). Spousal Benefits. Retrieved from https://www.ssa.gov/planners/retire/spouseanddiv.html [4] Social Security Administration. (2025). Delayed Retirement Credits. Retrieved from https://www.ssa.gov/planners/retire/delaycredits.html [5] Social Security Administration. (2025). Average Social Security Checks. Retrieved from https://www.ssa.gov/oact/cola/AveBen.html [6] Social Security Administration. (2025). Benefits for Children. Retrieved from https://www.ssa.gov/benefits/disability/ [7] Social Security Administration. (2025). How You Can Plan for Retirement. Retrieved from https://www.ssa.gov/planners/retire/10things.html
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