Hi Larry,
I plan on filing for my SSA benefit in July 2018 when I reach 70. Will all DRC's be included in my August check, or will they withhold the DRC's earned from 1/2018 through 7/2018 and add them later?

Thanks for the info.

Hi,

Yes, if you file effective with the month you reach age 70, all of your delayed retirement credits (DRC) are included in your initial benefit rate.

Best, Jerry