Social Security delayed retirement credits missing - WEP calculation confusion

That's definitely frustrating. The WEP reduction is fairly straightforward, but the delayed retirement credits should be easy to calculate too - 8% per year beyond your FRA, prorated monthly. From 66 to 69, you should have received approximately 24% in DRCs. Have you requested an official Benefits Calculation explanation letter? They're required to provide this when requested. It won't have the algorithm details, but should show the PIA calculation, WEP reduction, and DRC application. I'd suggest filing a formal written request specifically for this document. Also, when you do reach someone, ask specifically to speak with a Technical Expert or Claims Specialist who handles post-entitlement adjustments. Regular CRs often don't have access to the detailed calculation systems.

This happened to me too!!!! Been fighting with them since September. The local office keeps giving me different stories every time I visit. First they said my delayed credits were already included, then they said they'd come later, now they're saying something about "recalculation pending" whatever that means. So frustrating!

When dealing with complex issues like WEP + delayed retirement credits, you need to speak with someone who has access to PEBES and ANYPIA calculation systems. Unfortunately, many SSA employees (even at local offices) don't have this level of access or training. Here's what I'd recommend: 1. File a formal Freedom of Information Act (FOIA) request specifically for your "detailed benefit calculation worksheet including WEP reduction and delayed retirement credit application" 2. In your reconsideration (which should eventually be processed), specifically request a Technical Expert review with access to ANYPIA 3. When you talk to the Congressional liaison, don't just ask for help - specifically request they obtain your "PEBES computation history" which shows every calculation adjustment 4. Those small payments might be partial retroactive adjustments, but without the calculation breakdown, it's impossible to verify The fact is, SSA absolutely CAN explain these calculations - they're just mathematical formulas, not mysterious algorithms. The challenge is finding the right person with system access and technical knowledge.

ssA is just terrible now days! i waited 3 hours at my local office just to be told they couldn't help me with my medicare question!! your probably never gonna get an answer tbh. the system is broken and they dont care about us seniors

After dealing with SSA for my mom's benefits (similar WEP issue but no delayed credits), I discovered that calling the main 800 number is almost useless for complex cases like yours. The only way I finally got answers was using a service called Claimyr that got me through to an actual SSA agent in about 20 minutes instead of waiting on hold for hours. Check out this video to see how it works: https://youtu.be/Z-BRbJw3puU Once I got through, I specifically asked for a "Technical Expert who can access PEBES computations" and that made all the difference. The regular representatives simply don't have the system access or training to handle complex WEP + delayed credit calculations. The website is claimyr.com - it saved me weeks of frustration. My mom finally got her proper benefit amount after a single call with the right person.

My situation was somewhat similar (though without the WEP component). What finally worked for me was requesting a "PEBES query printout" and a "AACT query." These are specific reports that show the entire calculation history of your Social Security benefit. The trick is that not every SSA employee knows how to access these or understands what they mean. I had to be very specific and persistent. It took about 4 weeks to get these reports, but once I did, I could see exactly where the error occurred in my case (they hadn't properly coded my delayed retirement months). Also, those small deposits you received might be interest payments on the delayed amount, not the actual correction. SSA pays interest when they've underpaid benefits and take too long to correct it. For the most accurate help, you need to talk with a Technical Expert or Claims Specialist, not a Service Representative. Be very specific when requesting this level of expertise.

Sooooo many retired people have this problem! My neighbor waited 8 months for them to fix his calculation! Keep calling and annoying them lol that's what worked for him!

To answer your follow-up questions from other comments: 1. For a Benefits Calculation letter, use SSA Form SSA-7004 (Request for Social Security Statement) but specifically write "REQUESTING DETAILED BENEFIT CALCULATION INCLUDING WEP AND DELAYED RETIREMENT CREDITS" at the top. 2. PEBES queries can be requested in person, but many SRs don't know how to access them. A Technical Expert (TE) or Claims Specialist (CS) will know exactly what you're asking for. Be prepared to submit this request in writing if they claim they don't understand. 3. Those small deposits might indeed be interest payments as someone suggested, which would actually be a good sign - it means SSA acknowledges they owe you money. 4. The key technical terms to use in ALL communications (written and verbal) are: - "PEBES computation history" - "AACT query" - "MBR display" - "Detailed WEP computation worksheet" - "DRC application worksheet" Using these specific terms signals to SSA that you know exactly what you're asking for and helps get your request to the right technical personnel.

One more important thing - when dealing with the Congressional office, make sure you're explicit about what you need. Many times they just send a generic inquiry to SSA. Instead, request that your Congressional case worker specifically ask for: 1. A review by the Office of Central Operations (not just your local field office) 2. A complete PEBES computation history showing how your DRCs were applied 3. An explanation of why the DRCs weren't incorporated as expected Congressional inquiries get special handling, but they're only as effective as the specifics included in the request. And it sounds like your previous Congressional inquiries may have just been routed back to the same local office that couldn't help you originally.