< Back to Social Security Administration

Social Security retirement application stuck in processing - expected timeline vs reality

I filed for my Social Security retirement benefits on October 30, 2024 with a benefit start date of January 1, 2025 (I'm 68, so well past my FRA). The confirmation page said I should expect to hear back within 30 days, which would have been November 30th. It's now well past that, and when I log into my mySocialSecurity account, it still just shows "processing" with no additional details. I know the actual payments wouldn't start until February, but shouldn't I have received some kind of award letter or confirmation by now showing my exact benefit amount? The wait is making me anxious about whether I did something wrong on my application. For those who've recently filed, how long did it take before you got your official approval letter? Should I be concerned that it's taking this long or is this now the normal timeframe?

Louisa Ramirez

•

it took me almost 10 weeks to get my award letter when i applied last year. everything still went thru fine with my payments starting when they were supposed to. the SSA website info is outdated, they're way behind on processing times these days.

0 coins

Marilyn Dixon

•

10 weeks! That's way longer than I expected. Did you ever call to check on the status during that time? I'm wondering if I should call or just continue to wait.

0 coins

TommyKapitz

•

The 30-day response time was accurate pre-pandemic, but processing times have increased significantly. Currently, straightforward retirement applications are taking 6-8 weeks on average, while more complex situations (earnings corrections, pension offsets, etc.) can take 10-12 weeks. If your application requires additional verification or has unusual circumstances, it could take longer. You should receive your award letter before your payment starts in February, but I'd recommend checking the status if you haven't heard anything by mid-January. If there were issues with your application, they would typically contact you for additional information rather than simply delaying.

0 coins

Angel Campbell

•

My neighbor waited 3 months and never got a letter! Then suddenly money appeared in his account. The system is broken!!

0 coins

Marilyn Dixon

•

Thank you for the detailed explanation. That helps ease my mind a bit. I'll give it until mid-January before I try contacting them.

0 coins

Payton Black

•

I filed mine last september and didnt hear ANYTHING for 2 months. tried calling but couldnt get thru to a real person ever. Finally got my letter in december. the letter was dated november but didnt arrive until december 12!!! so they might have even "processed" yours but the mail is slow or something.

0 coins

Marilyn Dixon

•

That's frustrating! Did you try checking your mySocialSecurity account during that time? Did it show any updates there before you got the physical letter?

0 coins

Payton Black

•

yeah mine still said processing online even after i got the paper letter lol. the website doesnt update

0 coins

Harold Oh

•

I went through this exact situation last year. Applied in September 2023 for January 2024 benefits and didn't hear anything until December 20th! I was panicking because I had already given notice at my job based on my retirement plans. The frustrating part was trying to call SSA. I spent days getting busy signals or waiting on hold for hours only to get disconnected. I finally used a service called Claimyr (claimyr.com) that got me connected to an SSA agent within 20 minutes. The agent confirmed my application was approved but still in processing for final calculation. You can see how it works in their video demo: https://youtu.be/Z-BRbJw3puU Saved me so much stress knowing everything was actually moving along. My first payment showed up on time in February.

0 coins

Amun-Ra Azra

•

I had the same experience using Claimyr! After weeks of frustration trying to call SSA, I got through right away. Best decision ever when dealing with Social Security phone issues.

0 coins

Marilyn Dixon

•

That's really helpful to know about, thanks! I might try that if I don't hear anything by mid-January. It would be reassuring to at least confirm they have my application and there aren't any issues with it.

0 coins

Summer Green

•

For retirement benefit applications, here's what's normal in 2025: - Simple applications (straightforward earnings record, no WEP/GPO, no dependents): 30-45 days - Standard applications: 45-60 days - Complex applications (multiple benefit types, pension offsets, earnings record issues): 60-90+ days The online status won't update until final processing is complete. Your award letter will typically arrive 1-2 weeks before your first payment. If your mySocialSecurity account shows your benefit estimate has disappeared, that's actually a GOOD sign - it means your application is in the final processing stage. Don't panic yet - with a January benefit start date and February payment, you're still within normal processing times. If you don't receive anything by January 15th, then I'd recommend calling.

0 coins

Marilyn Dixon

•

That's interesting about the benefit estimate disappearing! I just checked and mine is indeed gone, which I thought was concerning, but now I feel better. Thank you for that tip!

0 coins

Angel Campbell

•

The SSA is TERRIBLE at communication!!! I waited 14 weeks for my disability decision and nobody would tell me anything. Then they denied me and I had to start all over. They don't care about us at all.

0 coins

TommyKapitz

•

Disability applications (SSDI/SSI) follow a completely different process than retirement benefits. Initial disability determinations typically take 3-5 months, while retirement applications are much faster. These are different programs with different processing centers and timeframes.

0 coins

Louisa Ramirez

•

have u checked ur mail carefully? sometimes they send letters that look like junk mail and people throw them away without realizing

0 coins

Marilyn Dixon

•

That's a good point - I'll double check all my mail from the last few weeks to make sure I didn't miss anything important.

0 coins

Gael Robinson

•

My wife and I both filed for SS last year. Mine took 4 weeks, hers took 9 weeks. Same day, same office. Makes no sense! But we both got our payments on time starting in Feb 2024. Don't worry too much yet.

0 coins

Marilyn Dixon

•

Wow, that's quite a difference for two applications filed at the same time! Did they ever explain why hers took so much longer?

0 coins

Gael Robinson

•

Nope. The letter just showed up one day. My theory is that her work history was more complicated (she had worked in 3 different states and had a government pension), while mine was pretty straightforward with one employer for 30 years.

0 coins

Amun-Ra Azra

•

I'm going through exactly the same thing right now! Applied Nov 15 for Feb 1 start date and nothing yet. Haven't slept well in weeks worrying about it. Did you upload your birth certificate and marriage license when you applied? I'm worried because I didn't have those documents scanned and ready when I filled out the application.

0 coins

Marilyn Dixon

•

Yes, I did upload those documents with my application. I was born in the US though, so they probably already had my birth record in their system. If they need additional documentation from you, they should contact you to request it.

0 coins

Harold Oh

•

If you're worried about missing documents, you can call SSA directly to check if they need anything else from you. Using the Claimyr service I mentioned above can help you get through quickly. Better to find out now than to have your application delayed further!

0 coins

Amun-Ra Azra

•

Thank you both! I'll try calling tomorrow to make sure they don't need anything else from me.

0 coins

TaxRefund AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
6,769 users helped today