Social Security application stuck in review since November - normal wait time?
I submitted my husband's retirement benefits application online back in November, and it shows SSA started reviewing it on 11/19/24. The website said estimated processing time was 30 days, but it's been over 45 days now and we haven't heard ANYTHING! No update, no contact, nothing. Still just says "processing" when I check online. We requested a benefit start date of February since he turns FRA then. Is this kind of delay the new normal with Social Security? Should I be worried something went wrong with our application? Has anyone else experienced these long waits recently? I'm getting nervous since we're planning our finances around this timeline.
19 comments
Jacob Lee
Totally normal. My app took almost 3 months to process last year. They say 30 days but thats not realistic lol
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Ava Harris
•3 MONTHS?? Oh no... we were counting on having this figured out before February. Did you call them at all during that time?
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Emily Thompson
The 30-day timeframe is more of a general guideline than a guarantee. Social Security is currently experiencing significant backlogs, especially for retirement applications. Since your husband's benefit start date isn't until February, your application is likely considered lower priority than those with immediate start dates. A few things you can do: 1. Check your MySocialSecurity account for any notices or updates 2. Look for any mail from SSA requesting additional information 3. Call the national number (though wait times can be extremely long) 4. Visit your local field office if you're concerned As long as the application shows as "processing" in the system, it's still active. It's actually good you applied early since your February start date gives plenty of time for processing.
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Ava Harris
•Thank you for this detailed explanation! We haven't received any mail from SSA and there are no notices in the online account. I'll try calling this week, but the last time I called Social Security about something else, I was on hold for over an hour and then got disconnected. Very frustrating!
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Sophie Hernandez
I went thru the exact same thing when I filed last summer!! The website said 30 days but it actually took 67 days for my application to be approved. Don't panic, as long as it says processing your still in the queue. They are just super backed up right now.
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Ava Harris
•67 days? That's crazy! Did you end up having to call them or did they eventually just approve it? I'm wondering if I should be proactive or just keep waiting...
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Daniela Rossi
The processing times have definitely increased dramatically in the past year. While SSA still quotes 30 days as the standard processing time, the reality is closer to 45-75 days for most retirement applications right now. The good news is that since you requested a February start date, you still have time before benefits would begin. One important thing to note: the application date (when you submitted) is what establishes your filing date, not when it's approved. So even with delays, your husband's benefits will still start in February as requested, assuming he's reached his full retirement age (FRA) by then. I'd recommend waiting another 10-15 days before taking action. If you still haven't heard anything by mid-January, then it would be appropriate to contact SSA.
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Ava Harris
•This is so helpful, thank you! Yes, he reaches his FRA in February which is why we selected that as the start date. I'm glad to hear the application date is what matters. That takes some pressure off!
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Ryan Kim
THE SSA IS COMPLETELY OVERWHELMED AND UNDERSTAFFED!!! I filed for my benefits in October and didn't hear ANYTHING for 89 days!!! When I finally got through to talk to someone they said they hadn't even LOOKED at my application yet!!! The whole system is falling apart and nobody in Washington cares!!!!!
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Ava Harris
•89 days? That's horrifying! Did you ever get it resolved? What did you end up having to do?
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Ryan Kim
•I had to go TO THE OFFICE IN PERSON and wait 4 HOURS just to speak to someone!!! They finally "expedited" my case after I explained I was about to miss mortgage payments. The whole thing is RIDICULOUS!!!
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Zoe Walker
I work with Social Security claims regularly, and I can confirm that processing times have increased significantly. The 30-day estimate is outdated and hasn't been updated on their systems. Currently, most retirement applications are taking 60-90 days to process, especially for future entitlement (like your February start date). Since you requested a February start date, SSA will prioritize applications with earlier start dates first. Your application is in the system and will be processed in time for the February payment, which would actually be paid in March (Social Security pays a month behind). If you need to check on status or speak with someone at SSA, I recommend using Claimyr (claimyr.com). They help you get through to SSA representatives much faster than waiting on hold for hours. There's a great video showing how it works: https://youtu.be/Z-BRbJw3puU. I've recommended it to several clients who were in similar situations with delayed applications.
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Ava Harris
•Thank you for explaining this! I didn't realize they pay a month behind, so that's good to know. I'll check out that Claimyr service - anything to avoid sitting on hold for hours just to get disconnected! Much appreciated.
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Jacob Lee
•has anyone actually used this claimyr thing? seems kinda sketchy to pay money just to talk to social security...
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Zoe Walker
•Yes, it's legitimate. It works by navigating SSA's phone system and holding your place in line, then calling you when a representative is available. Many of my clients have used it successfully when they needed to resolve issues quickly but couldn't wait on hold for hours or visit an office in person. It's especially helpful for those who are working during SSA's office hours.
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Elijah Brown
My husband and I both applied for our benefits at the same time last year, and strangely, mine was processed in 3 weeks while his took over 2 months! And we submitted them on the same day! I think it depends on which office or even which employee gets assigned to your case. Just keep checking the online account every few days.
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Ava Harris
•That's so bizarre that yours was processed quickly but your husband's took much longer! I wonder if they assign different priorities based on start dates or something. I'm checking the online account almost daily but no changes yet.
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Emily Thompson
Just to add one more thing - if your husband's application is approved after February has already started, don't worry. They will make the payments retroactive to his start date. So even if approval comes in March or April, he'll still get paid for February (though as someone else mentioned, February's payment would actually come in March since SS pays a month behind).
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Ava Harris
•This is very reassuring - thank you! At least we know we won't lose any money even if the approval takes longer than expected.
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