Delayed retirement credits not showing up on MySocialSecurity after 6-month FRA delay - normal wait time?

The DRC increase should definitely be reflected by now. SSA typically processes these recalculations in January, but they should be applied to your February payment at the latest. If you're not seeing it in your MySocialSecurity account by the first week of February, I'd recommend calling. Your calculation is correct - you should get 4% more for that 6-month delay. The increase is prorated monthly (2/3 of 1% per month), so delaying 6 months means you're entitled to those credits.

mine took until march last year to show up! i delayed 3 months past FRA and was so worried they forgot about me lol. just kept checking my account every day. the increase just suddenly appeared one day with no notification or anything. SSA never does anything quickly 🙄

DONT WAIT!!! Call them NOW!! I waited 8 months after my DRC was supposed to kick in and when I finally got through they said there was a "processing error" and I missed out on $1,200+ that they said was MY responsibility to catch!! They only backdated 3 months of what I was owed. THE SYSTEM IS RIGGED AGAINST US RETIREES!!!

I had a similar situation last year but with an 8-month delay past my FRA. The DRCs showed up in late February without me having to do anything. From what I understand, the SSA processes these recalculations in batches during January-March. If you're worried about reaching someone at SSA, I recently discovered a service called Claimyr (claimyr.com) that helped me get through to a real person when I had a different issue with my cost-of-living adjustment. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Saved me hours of hold time when I needed to speak to someone.

My wife had this exact same situation! Delayed 4 months past FRA and the increase took til almost April to show up in her acct but they did backpay her the difference from when she filed. Just fyi.

I'd recommend checking three things: 1. Look at your benefit verification letter in MySocialSecurity to see if it shows the correct amount with DRCs 2. Check your bank deposits - sometimes the payment amount updates before the online account shows it 3. Verify that the "month of election" on your application was correctly recorded The January recalculation is generally for COLAs, whereas DRCs should be calculated at the time of filing. However, with the backlog at SSA, many post-FRA filers are experiencing delays in seeing their proper benefit amount reflected. If it doesn't appear by mid-February, I suggest calling the national number or visiting your local office with documentation showing your application date and requested start date. Bring a calculation showing what your benefit should be with the DRCs applied.

my dad waited 4 yrs past fra and still had to call to get his credits right lol

Just a follow-up on timing: The SSA processes different benefit adjustments in different cycles. COLAs (Cost of Living Adjustments) are processed for all beneficiaries in January. DRCs (Delayed Retirement Credits) are typically processed when you apply, but if there's a backlog or processing issue, they do have quarterly mass adjustment periods. January is one of those periods, but the changes might not be reflected immediately. Worst case scenario, if the adjustment isn't showing by mid-February, call the SSA and specifically mention you're calling about "delayed retirement credits not being applied to your benefit amount." This specific terminology helps ensure you're directed to the right department.

I'm dealing with a similar situation right now! I delayed my benefits for 8 months past my FRA (which was in June 2024) and started receiving payments in February 2025. My MySocialSecurity account still shows my original FRA amount without the delayed retirement credits, even though I should be getting about 5.33% more based on the 8-month delay. I've been checking my account weekly and called once in December but was told to wait until after January for the recalculation. It's now almost February and still nothing. Reading through these responses, it sounds like I should give it until mid-February before getting more concerned. The waiting is definitely nerve-wracking when you're talking about a significant monthly increase! Has anyone else experienced delays this long with 8+ month deferrals, or is 6 months typically the longest people wait past FRA?

I'm going through something very similar! I delayed my benefits for 7 months past my FRA (hit it in April 2024, started collecting in November) and I'm still not seeing the delayed retirement credits in my MySocialSecurity account either. Based on my calculations, I should be getting about 4.67% more monthly, which would be around $120 extra based on my FRA benefit amount. Reading through everyone's experiences here is really reassuring - it sounds like longer delays (6+ months) tend to take more time to process, possibly because they require manual review. I called in late December and was told the same thing about waiting until after January, but like you, I'm getting anxious about the wait. I think I'll follow the advice here and wait until mid-February before calling again. It's frustrating because you'd think with all their computer systems this would be automatic, but clearly there are still manual processes involved. At least it sounds like when it does get corrected, we should receive all the back pay from when benefits started. Thanks for sharing your situation - it helps to know others are in the same boat!

I'm experiencing this exact same issue! I delayed my benefits for 9 months past my FRA (reached it in February 2024, started collecting in November) and my MySocialSecurity account still shows the original FRA amount without any delayed retirement credits. I should be getting 6% more monthly (9 months × 2/3% per month), which would add about $150 to my monthly payment. I called SSA in early January and was told to wait for the annual recalculation, but reading through all these responses it's clear that longer delays like ours often take additional time - possibly because they trigger manual review processes. It's really reassuring to see so many others in similar situations with 6+ month delays. Based on everyone's advice here, I'm going to wait until mid-February before calling again. The pattern seems to be that the longer the delay past FRA, the longer it takes SSA to process the adjustment properly. At least it sounds like we'll get all the back pay once it's corrected! Thanks to everyone for sharing their experiences - it really helps ease the anxiety of waiting.

I'm new to this community but going through the exact same frustrating situation! I delayed my benefits for 6 months past my FRA (reached it in June 2024, started collecting in December) and my MySocialSecurity account still shows my original FRA amount without the delayed retirement credits. I should be getting 4% more monthly, which would be about $110 extra based on my FRA benefit. Reading through everyone's experiences here is incredibly reassuring - it's clear that delays of 6+ months consistently take longer to process, likely because they require manual review rather than automatic processing. I called SSA in early January and got the standard "wait for the annual recalculation" response, but seeing all these similar stories makes me feel much better about the wait. Based on all the great advice in this thread, I'm going to wait until mid-February before calling again. If I do need to call, I'll use the specific terminology about "delayed retirement credits not being applied to benefit amount" to get directed to the right department. It's really helpful to know that when the adjustment finally comes through, we should get all the back pay from when benefits started. Thanks to everyone for sharing their experiences - this community is such a valuable resource for navigating these SSA processing delays!