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I'm in a very similar situation - turning 70 in September 2025 and have been waiting for those delayed retirement credits too! This thread has been incredibly helpful. One thing I'd like to add based on my research: make sure you understand how your payment date will work. Since Social Security pays benefits on different Wednesdays based on your birth date (1st-10th gets 2nd Wednesday, 11th-20th gets 3rd Wednesday, 21st-31st gets 4th Wednesday), you'll want to know exactly when to expect that first payment in August. Also, if you have any W-2s or 1099s from 2024 that show earnings, have those ready when you apply - they sometimes ask for recent earnings information even for people who are fully retired. The patience you've shown in waiting until 70 is really going to pay off!
Thank you for sharing that payment schedule breakdown - that's really helpful information! Since I'm turning 70 in mid-July, I'll be getting my payments on either the 2nd or 3rd Wednesday of the month depending on the exact date. It's great to connect with someone else who's been patiently waiting for those delayed credits! I hadn't thought about having recent W-2s ready, but that makes sense even for those of us who are retiring. I do have some small consulting income from 2024, so I'll make sure to have those documents organized when I apply. It sounds like we're both on the right track - the waiting has been tough but knowing we'll get the maximum benefit makes it worthwhile. Best of luck with your September application!
I'm so grateful I found this thread! As someone who's been agonizing over the exact timing for months, reading everyone's real experiences has been incredibly reassuring. The consistent advice about applying 3-4 months early really stands out - it seems like almost everyone who waited too long had delays. I'm definitely going to start my application in April and make absolutely sure July 2025 is crystal clear as my start month. The tip about saving all confirmation screens is also something I wouldn't have thought of but makes total sense given the stories about applications disappearing from the system. Thank you all for sharing your experiences and advice - this community is such a valuable resource for navigating these complex government processes!
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I can totally relate to your confusion about the SSA website! I went through the exact same thing when I became my mom's representative payee for her disability benefits. The terminology they use is really not intuitive at all. From my experience, yes - as the rep payee, you are considered the "owner" of the account for SSA's purposes, even though the money belongs to your daughter. I was terrified I'd mess up my own direct deposit too, but the systems really are completely separate. When you log into your My Social Security account, you should see different sections for each person you're managing benefits for. One thing that gave me extra peace of mind was taking a screenshot of my current direct deposit info before making any changes, just in case I needed to reference it later. Also, after I made the change, I got a confirmation letter in the mail within about a week, so you'll have documentation that everything went through correctly. The online process really is much faster than calling if you can get comfortable with it - I think I spent maybe 15 minutes total including double-checking everything. But there's absolutely nothing wrong with calling if you'd rather have that human confirmation!
That screenshot tip is brilliant! I'm definitely going to do that before making any changes - such a simple way to have a backup of my current info just in case. It's so reassuring to hear from someone else who was worried about the same thing. The 15-minute timeframe sounds totally doable, and knowing that I'll get a confirmation letter afterwards makes me feel much better about the whole process. I think I'm leaning towards trying the online route first now that I have a better understanding of how it all works. Thanks for sharing your experience!
I went through this exact same situation last year with my granddaughter's survivor benefits! The website really is confusing about the owner/co-owner thing. What helped me was understanding that as the representative payee, you ARE the account owner in SSA's eyes, even though it's your daughter's money. When you log into My Social Security, look for the section that shows all the beneficiaries you manage - your daughter should be listed separately from your own benefits. Make sure you select her entry before making any changes. I was so worried about accidentally changing my own direct deposit too, but the systems are completely separate. One tip: I printed out a copy of both my current direct deposit info AND my granddaughter's before making any changes, just to have a record. The change went through smoothly and we got confirmation in the mail about a week later. The whole online process took maybe 10 minutes once I found the right section. Good luck!
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I'm experiencing the exact same issue! My statement has been stuck on "being processed" for about 3 weeks now, and I was starting to worry something was wrong with my account. After reading through all these incredibly helpful comments, especially the detailed batch processing explanation from @Mateo Hernandez, I feel so much better knowing this is a widespread system issue. My SSN ends in 47, so based on the batch system info, I should be in the 40-49 group that's currently being processed - hopefully mine will show up any day now! It's really frustrating that SSA didn't provide clear communication about these delays on their website. This thread has been far more informative than anything I could find through official channels. Thank you everyone for sharing your experiences and solutions - you've all been lifesavers!
That's great news that you're in the 40-49 group that's currently being processed! You should definitely see yours soon. I'm new to this community but wanted to thank everyone for all this detailed information - I've been dealing with the same "processing" message for weeks and was getting really worried. My SSN ends in 91, so I guess I'm in one of the last batches (90-99) and will probably be waiting the longest. At least now I know what to expect instead of just wondering if my account is broken. This thread has been incredibly helpful - way better than anything I could find on the SSA website or through their customer service. Really appreciate everyone taking the time to share their experiences and especially @Mateo Hernandez for getting those specific details from SSA!
Just wanted to add my experience to this incredibly helpful thread! I'm a newcomer here but have been lurking and reading through all these comments - this community has provided more useful information than hours of searching the SSA website. My statement has also been stuck on "being processed" for about 4 weeks now. My SSN ends in 15, so based on @Mateo Hernandez's batch processing explanation, I should be in the 10-19 group that was likely already processed. This makes me think I might need to call in rather than wait, since mine should have been in one of the earlier batches. Has anyone else whose SSN falls in the early groups (00-29) had success calling the technical support line? I'm planning to try the 8-10am window that was mentioned. Thanks again to everyone for sharing - this thread should honestly be pinned somewhere as a resource!
Hey @Mateo Rodriguez, since your SSN ends in 15 and should have been in an earlier batch, I'd definitely recommend calling rather than waiting. You might have one of those account-specific issues that @Yuki Ito mentioned earlier like (an earnings discrepancy or amended W-2 situation .)The fact that you ve'been stuck for 4 weeks when your batch should have been processed suggests something needs manual attention. I d'try calling during that 8-10am window and specifically ask for the Earnings and Benefits department. Also, have your recent tax documents ready just in case there s'a mismatch they need to resolve. Good luck!
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Another helpful tip - once you get your first payment, the amount will be shown on a document called a "Benefits Verification Letter" that you can access through your my Social Security account online. This letter is super useful for things like applying for senior discounts, qualifying for low-income programs, or just for your own records. I wish someone had told me about this when I first started receiving benefits - I was manually tracking everything in a spreadsheet when SSA already had all the info organized for me online!
This is exactly the kind of info I wish I had known earlier! I've been manually keeping track of everything too. Just set up my online account last week but haven't explored all the features yet. The Benefits Verification Letter sounds really useful - I'll definitely look for that. Thanks for sharing this tip!
One more thing to consider - if you're planning to have taxes withheld from your Social Security payments, make sure you've submitted Form W-4V or set it up online. I forgot to do this initially and had to scramble at tax time. You can have 7%, 10%, 12%, or 22% withheld for federal taxes. It's much easier to set this up from the beginning rather than trying to make quarterly estimated payments later. You can always change the withholding amount later through your my Social Security account if needed.
That's such an important point about tax withholding! I'm just starting to think about all these details for my retirement planning. Do you know if there's a good rule of thumb for how much to withhold? I've heard Social Security benefits can be taxable depending on your other income, but I'm not sure what percentage would make sense to start with. Better to plan ahead like you said than scramble later!
Great point about tax withholding! For a rough rule of thumb, it depends on your total retirement income. If Social Security is your only income, you might not owe much in taxes. But if you have other retirement income (401k, pensions, part-time work), you could end up owing taxes on up to 85% of your SS benefits. I'd suggest starting with 10% withholding and adjusting after your first year when you see how it affects your tax situation. You can always change it online pretty easily. Better safe than sorry!
Freya Thomsen
As a newcomer here, I'm really glad I found this discussion! I'm in a very similar situation - I delayed my benefits for 5 months past my FRA (reached it in July 2024, started collecting in December) and I'm also not seeing my delayed retirement credits reflected in MySocialSecurity yet. I should be getting about 3.33% more monthly (5 months × 2/3% per month), which would add roughly $85 to my monthly payment. Reading through everyone's experiences has been incredibly helpful and reassuring. It's clear there's a definite pattern where delays of 6+ months take longer to process, but even my 5-month delay seems to be following the same timeline. I called SSA in mid-January and got the same response about waiting for recalculation processing. Based on all the great advice here, I'm going to wait until mid-February before getting more concerned. It's really comforting to know that so many others are experiencing the same delays and that the back pay should come through once SSA gets everything processed. This community is such a valuable resource for navigating these bureaucratic delays! Thanks to everyone for sharing their experiences - it really helps ease the anxiety of waiting.
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KhalilStar
•Welcome to the community! Your 5-month delay situation fits right into the pattern we're all seeing. It's really helpful to have another data point showing that even delays slightly under 6 months can experience these processing delays. Your 3.33% calculation looks spot on. What's interesting is that you're experiencing the same timeline as those of us with longer delays, which suggests SSA might batch process all post-FRA applications together regardless of the delay length. I'm also planning to wait until mid-February before calling again - it sounds like we're all on the same timeline here! Thanks for sharing your experience. It's definitely reassuring to see the consistency across different delay periods. Hopefully we'll all have good news to share by mid-February!
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Lucy Lam
I'm new to this community and just wanted to add my experience to help others who might be in similar situations. I delayed my benefits for 7.5 months past my FRA (reached it in March 2024, started collecting in late October) and I'm also still waiting to see my delayed retirement credits show up in MySocialSecurity. I should be getting about 5% more monthly, which would add approximately $130 to my payment. What's really striking to me after reading through all these responses is how consistent the timeline is for everyone with 5+ month delays. It seems like SSA definitely handles longer delays differently - probably requiring manual review as several people mentioned. I called in early January and got the same "wait for recalculation" response that everyone else received. The pattern across all these experiences gives me confidence that this is just a processing issue, not a mistake with our applications. I'm going to follow the community advice and wait until mid-February before calling again. If I do need to call, I'll definitely use that specific terminology about "delayed retirement credits not being applied to benefit amount." Thanks to everyone for sharing such detailed experiences - this thread has been incredibly valuable for understanding what's normal in these situations. It's reassuring to know we're all in this together and should see our proper benefits (with back pay) once SSA gets through their processing backlog!
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Ethan Clark
•Welcome to the community! Your 7.5-month delay experience really adds to the clear pattern we're seeing here. Your 5% calculation looks exactly right (7.5 months × 2/3% per month). What's really helpful about your post is how it reinforces that this seems to be a systematic processing issue rather than individual application problems. I'm also new here but have been following this thread closely as someone dealing with a similar delay situation. The consistency across all our experiences - from 5 months to 9+ months - really suggests that SSA has a different processing workflow for longer delays that just takes more time. It's actually quite reassuring to see so many people with the same timeline and the same responses from SSA about waiting for recalculation. The advice about using specific terminology when calling seems really valuable too. Hopefully by mid-February we'll all have some good news to share about our adjustments finally showing up! Thanks for adding your experience to help build the picture of what's normal in these situations.
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