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Social Security retirement application still processing after 6 weeks - normal wait time?

I filed my SS retirement application back on January 2nd and expected to receive my first payment in March (for February). It's now mid-February and my application status still shows as 'processing' when I check my MySocialSecurity account. No contact from SSA, no requests for additional documents - nothing! I'm starting to get really nervous since I budgeted based on these benefits starting next month. My neighbor said her application was approved in just a week last year, and my brother-in-law got his approval in less than two weeks. Is a 6+ week processing time normal these days? Should I be concerned? Has anyone else experienced long processing times recently?

Sean Murphy

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dont worry this is totally normal these days! my husband applied in november and it took almost 2 months to get approved. SSA is backed up like crazy right now

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Thank you! That's a relief to hear. Did they backpay for the delay or was your husband's first payment just for the current month when it finally got approved?

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StarStrider

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I'd recommend not panicking yet, but it's reasonable to follow up at this point. Processing times have definitely increased since the pandemic, and January-February is traditionally a high-volume period for retirement applications. A few things to know: 1) If your application is approved after your payment eligibility date, you'll receive any back payments you're entitled to. 2) The MySocialSecurity status doesn't always update in real-time - sometimes your application is moving forward even when the status appears static. 3) If you provided all required documentation with your initial application and have straightforward earnings history, there's usually no reason for them to contact you during processing. If you want peace of mind, you could call SSA to verify everything's in order. Just be prepared for potentially long wait times.

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This is really helpful information, thank you! I did provide everything upfront and have a pretty standard work history (40+ years at the same company). I'll give it another week before I try calling. Would scheduling an in-person appointment at my local office be more efficient than calling?

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Zara Malik

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YOU SHOULD ABSOLUTELY BE WORRIED!!! I had the EXACT same situation happen last year and it turned out they had LOST my application completely!!! I waited 2 months thinking everything was fine and when I finally called they had ZERO record of my application!!! Had to start all over again and lost months of benefits! CALL THEM IMMEDIATELY!!!

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Luca Marino

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This is pretty unusual though. I work with seniors and have helped dozens file for retirement and I've never seen SSA completely lose an application, especially one filed online with a confirmation number. Not saying it can't happen, but it's definitely not common.

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Nia Davis

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my aunt waited 9 weeks but my mom only waited 10 days lol. think it just depends on how busy they are and if ur application has any complications

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Mateo Perez

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While 6 weeks is longer than ideal, it's not outside the normal range these days. SSA processing times fluctuate based on staffing, application volume, and system updates. A few suggestions: 1. Check that your application is complete in the system. Sometimes applications get stuck if information is missing. Log into MySocialSecurity and verify all sections show as completed. 2. If you haven't received any correspondence requesting additional information, that's actually a good sign - it likely means your application is complete and just waiting in the queue. 3. SSA typically prioritizes applications close to payment eligibility date, so you should see movement as your March payment date approaches. 4. If you still see no updates by the end of February, then it would be appropriate to contact SSA directly. One final note: retirement applications filed in December-January typically see longer processing times due to the holiday staffing reductions and the annual COLA recalculations happening simultaneously.

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I didn't know about the COLA recalculations affecting processing times - that makes sense. I'll check my application again to make sure everything is complete. Do you know if there's any way to tell if a real person has actually reviewed my application yet?

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Aisha Rahman

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I was in a similar situation back in October. Waited over 7 weeks with no updates. Finally got so frustrated trying to call - constant busy signals, 2+ hour hold times, getting disconnected. I finally used this service called Claimyr (claimyr.com) that got me through to an actual SSA agent in about 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The agent told me my application was fine but sitting in a backlog. She flagged it for priority review, and I got approved 3 days later. Sometimes you just need to get someone to actually look at your file.

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Sean Murphy

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never heard of this before does it actually work? i hate calling SS its the worst

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Luca Marino

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In my experience helping people apply for Social Security benefits, 4-8 weeks is now pretty standard for retirement benefit processing. A few things to understand about the process: 1) Applications submitted online do get a confirmation number immediately, but that just means it was received, not that processing has begun. 2) There are multiple stages of review, and the online status won't show which stage you're in. 3) If you applied at your Full Retirement Age (FRA) or later, your application is usually processed faster than someone applying for early benefits at 62, as those require additional verification. 4) January applications typically experience delays due to the implementation of annual COLA increases that affect all existing beneficiaries. If you're concerned, calling to check status is reasonable at this point, but I wouldn't worry yet about your March payment being affected.

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I did apply at my FRA exactly (just turned 67 in December). That's interesting that early applications take longer - I would have thought it would be the opposite. Thanks for explaining the process, it helps to understand what's happening behind the scenes.

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Zara Malik

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The real problem is that SSA is SEVERELY understaffed and they WON'T ADMIT IT!! I had to go to my congressman's office to get my application unstuck last year. The system is BROKEN!

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Nia Davis

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my dad just filed and got approved in 2 weeks but he did it in person at the SS office. maybe that's faster?

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Luca Marino

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In-person applications can sometimes move faster because the claims representative can verify documents on the spot and help ensure the application is complete. But it really depends on the complexity of your work history and the current workload at your local office.

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Sean Murphy

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btw when you do get approved theyll pay you for any months you missed so you wont lose any money

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Oh that's so good to know! I was worried I might lose a month of benefits because of their slow processing. Thanks!

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StarStrider

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After reading through this thread, I think you're still well within normal processing times, but here's what I'd suggest as a next step: call the SSA at 1-800-772-1213 during non-peak hours (try Wednesday-Friday in the afternoon) and simply ask for a status update. The representative can verify that: 1) Your application is actually in the system and processing (for peace of mind) 2) There are no outstanding issues requiring additional documentation 3) Everything is on track for your March payment If you've provided a phone number on your application, make sure to answer all calls, even from unknown numbers, as SSA representatives often call from blocked numbers when they need additional information. Missing their call could further delay processing.

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Thank you for the specific advice. I'll try calling during the times you suggested. I did provide my cell phone and I've been answering everything, but no calls from SSA yet. It's the uncertainty that's stressful, so getting confirmation that it's at least in the system would help a lot.

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