SSA still processing January retirement benefits 3 months after applying online - normal or problem?

This is actually pretty normal. The SSA often doesn't process applications until closer to your benefit start date, especially when you apply several months in advance. As long as your MySocialSecurity account shows it as "processing" and not rejected, you should be fine. They're likely just waiting until closer to January to finalize everything.

the EXACT same thing happened to me last year!!! i applied in august for december benefits and didnt hear a peep until november. then they sent me a letter asking for my birth certificate (which i already uploaded online??) so make sure you have all your documents ready just in case. but yeah its normal for them to take forever

This happened to me too! Don't worry about it, they're just super slow. My sister works for SSA and says they're crazy backed up with applications. As long as it says processing you're good.

In my experience, SSA typically starts processing retirement applications about 2-3 months before your benefit start date. Since you're requesting January benefits, they'll likely contact you in November or December if they need any additional information. One tip: check your spam folder regularly, as SSA emails sometimes end up there. Also, if you're taking benefits at 65 when your FRA is 67, remember you'll receive about 86.7% of your full benefit amount due to the early retirement reduction. Just want to make sure you factored that into your planning.

I work with retirees and see this ALL THE TIME. SSA prioritizes processing claims that are closer to payment dates. They've got millions of applications and limited staff. While you wait, double-check that you have these ready in case they ask: 1. Birth certificate (original or certified copy) 2. Any name change documents if applicable 3. Banking info for direct deposit 4. Marriage certificate if claiming on a spouse's record If you're worried, you can always call SSA at 1-800-772-1213, but honestly they'll tell you the same thing - just wait.

I had to call them after waiting 2 months with no updates. Turns out they needed additional documentation but never contacted me! After 4 hours on hold, the agent told me my application was incomplete. Definitely try calling to check on the status. If you have trouble getting through their phone system, check out Claimyr (claimyr.com). I found it after my third attempt getting hung up on. They got me connected to an actual SSA agent in about 15 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Honestly worth it for the peace of mind knowing your application is actually being processed correctly.

btw are you applying for SSI or SSDI?? that might make a difference in processing times

when i finally got my benefits approved they backpaid me for the 2 months i was waiting so dont worry even if it takes time they'll pay you from your start date!!!!

Update: I finally called SSA today and got through after about an hour on hold. The agent confirmed my application looks good and is just waiting for processing closer to January. She said everything appears to be in order and I don't need to provide any additional documents at this time. Thanks everyone for your help and reassurance!