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.