I delayed retirement to get more benefits because I take care of a disable family member.Now age 69 and 4 months..I called several times and the benefits given are different .can theery be using different calculators

Hi,

If I remember correctly from my days working at Social Security, I don't believe that delayed retirement credits (DRC) are automatically included in the estimates that come up in Social Security's computer system until you actually apply for benefits and your claim is processed. So, the employees with whom you spoke were likely adding the DRCs manually, which probably explain why you've been getting different estimates when you call Social Security.

Also, if you had earnings in 2019 those earnings may have only recently showed up on your earnings history. That could also explain the different estimates. In any case, no manual calculations will likely be involved when you do file for your benefits, and your DRCs will be automatically included. In my opinion, you can be confident that Social Security will calculate your benefit rate accurately when you do apply.

The benefit calculator in our software (https://maximizemysocialsecurity.com/publication) uses the same calculation method used by Social Security, so you may want to use the software to obtain an accurate benefit estimate.

Best, Jerry