I ran into a quirk in the applying the delayed credits after the full retirement age where I applied for benefits with delayed credits 36 months (24%) after full retirement age. The start month was end of Q1 2024. However, my monthly benefit payment was the same as it would have been had I started Jan 2024. Apparently delayed credits are applied only annually at year end for starts before age 70, with the remaining months earned mid year applied after next year end. In my case I am still waiting for the catch up. Spoke to an SSA rep in early 2025, pre DOGE, & was told a program is run in March & October, so the catch up is forthcoming. Nothing happened after March 2025 so I called a local SSA office mid September, knowing gov't shutdown was likely in October The local rep said my benefit payment was pretty high already, how much more did I expect. For a moment I almost went into ABORT, RETRY, IGNORE mode, but calmly answered that for each month I waited to start my benefits my monthly benefits will increase by 0.667% times my full retirement age benefit. So it's my full retirement benefit times 0.667% times the number of months I waited in 2024 to start benefits. That's what's missing. After being put on hold the call dropped. I decided to call the local office once more (RETRY) and got a different rep who was in a different local office. She said calls are being routed among local offices now to improve service. She was familiar with delayed credit processing and was sending in a request to run the program. She also repeated what I was told in early 2025, that missed amounts will be made up.
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I ran into a quirk in the applying the delayed credits after the full retirement age where I applied for benefits with delayed credits 36 months (24%) after full retirement age. The start month was end of Q1 2024. However, my monthly benefit payment was the same as it would have been had I started Jan 2024. Apparently delayed credits are applied only annually at year end for starts before age 70, with the remaining months earned mid year applied after next year end. In my case I am still waiting for the catch up. Spoke to an SSA rep in early 2025, pre DOGE, & was told a program is run in March & October, so the catch up is forthcoming. Nothing happened after March 2025 so I called a local SSA office mid September, knowing gov't shutdown was likely in October The local rep said my benefit payment was pretty high already, how much more did I expect. For a moment I almost went into ABORT, RETRY, IGNORE mode, but calmly answered that for each month I waited to start my benefits my monthly benefits will increase by 0.667% times my full retirement age benefit. So it's my full retirement benefit times 0.667% times the number of months I waited in 2024 to start benefits. That's what's missing. After being put on hold the call dropped. I decided to call the local office once more (RETRY) and got a different rep who was in a different local office. She said calls are being routed among local offices now to improve service. She was familiar with delayed credit processing and was sending in a request to run the program. She also repeated what I was told in early 2025, that missed amounts will be made up.
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Adam, I was able to hear the broken record. Thank you for that.
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