Delayed Retirement Credits

Will I Receive My Four Delayed Retirement Credits If I File For My Benefits Effective With January 2019?

Hi Larry. I am currently collecting divorced spousal social security since September 2018. My FRA was 8-1952.

My question is: If I decide to start my own social security with January 2019 as the start date, will I receive my social security amount from 8-2018 or will the 4 delayed credits be included in the January 2019 payment.

It would be good to have the 4 delayed credits included in the Jan.2019 payment instead of waiting for a recalculate of the 4 delayed credits at some time in the future. Thank you for your help and advise.


Does Social Security Owe Me An Additional Amount For DRCs?

I just received an MBA update (effective Oct 1) and lump sum for DRCs. October? Whatever.
But, I believe the lump sum is short. Specifically, it looks like SSA gave me 9 months DRC credit
(correct), but lump sum was 9 months worth, matching checks received for 2018. However,
I started SS Nov 1, 2017, so I believe SSA still owes me "backpay" for those 2 months in 2017.
My question: does SSA do DRC catch up in a single go, or is another check in the mail?


Hi Edward,

What Is The Best Month To File To Get The Most Delayed Retirement Credits?

What is the best month to file to get the most DRC, delayed retirement credits, until the SSA updates their system to give full credits? Is it December or January? If I file three months ahead, according to the SSA, to get a January payment, I would need to file in October. Also, according to the SSA, the January payment is not payable until the following month. YOu must have lived the entire month to collect.


Does Anyone Know When Social Security Will Do Recalculations For DRCs?

Delay of Delayed Retirement Credits
I understand that for those starting SS benefits between PIA and age 70, DRCs are only initially applied as of the end of the previous year (unless benefits start in January), and full DRCs apply starting the following January. Given that it is believed SSA only does the DRC recalculation every TWO years, does anyone know if the next recalculation is due in January of 2019, or January of 2020?


What Rate Does Social Security Pay Until Your DRCs Are Updated And Paid?

Regarding delayed retirement credits; you indicated the SSA does not update they payments for up to 24 months regarding delayed retirement credits. If you make an initial application including the delayed retirement credits, what amount does the SSA pay for retirement until the DRC is updated and paid? Is it the PIA, or primary insurance amount which is payable until the the DRC is updated? As I understand it, you would only receive the PIA or full retirement age benefit until the DRC is calculated.

Do I Have Grounds For An Appeal?

Thank you for the help you give to the public...I suspended my monthly SS retirement ($1646.60) beginning 03/2015 and resumed beginning 06/2017; no COLA for 2015 and 0.3% for 2016. Upon resumption of benefits my adjusted monthly benefit after COLA and 22 months of suspension was computed by the SSA as $1893.70. My concern is that the method/procedure used by the SSA to arrive at this number was incorrect. According to my computations, the monthly amount should have been $1902.52.

Is The Information Given Out By SSA Staff Correct?

I called the SSA regarding applying for SSA retirement benefits, and I was informed by the representative that if I filed after my full retiement age (fra), 66 plus 2 months, that if I wanted to increase my monthly benefit by filing after my FRA, that I would need to wait a full year to get any increase in monthly benefits. It is my understanding your montly benefit would increase each MONTH that you wait past your FRA; and that I need not wait the full 12 months as I was informed by SSA. Is the information given out by SSA staff correct?

Am I Getting Delayed Retirement Credits On My Record Even Though I'm Receiving Widow's Benefits?

My husband passed in 2011 and was collecting SS disability, when I turned 62 I started getting ss widows benefits. I stopped working at that time. Am I getting delayed credits on my own SS by not claiming my own until age 70?


I'm sorry for your loss.

Yes, as long as you haven't filed for retirement benefits on your own record and you have at least 40 quarters of Social Security coverage then you can accrue delayed retirement credits on your own record from your full retirement age until age 70.

Best, Jerry