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The WHOLE SYSTEM is designed to pay you LESS than you deserve!!! I've been fighting with them for 2 YEARS about my benefit calculation and they keep giving me the runaround. They're HOPING you won't notice or follow up so they can keep underpaying you. DOCUMENT EVERYTHING and keep calling until they fix it!!!
While I understand your frustration, this specific situation is actually a normal part of SSA's annual processing cycle. They're not intentionally underpaying - they simply can't include earnings that haven't been reported and processed yet. The system is designed to automatically adjust benefits once those earnings are processed, typically in the latter part of the following year.
Just want to add another perspective - I'm a retired federal employee who dealt with this same issue. The timing can vary slightly depending on how your employer submits their W-2 data to SSA. Large employers typically submit electronically earlier in the year, while smaller companies might take longer. If you're really concerned about the timeline, you can also check your online Social Security account (my.ssa.gov) periodically to see when your 2024 earnings appear in your record. Once they show up there, the benefit recalculation usually happens within 30-60 days. Also worth noting - if your 2024 earnings are significantly higher than your previous years, the increase in your monthly benefit could be quite substantial since it's calculated over your lifetime. Good luck!
That's really helpful advice about checking my.ssa.gov to monitor when the 2024 earnings appear! I didn't realize I could track the progress that way. Since I worked for a mid-size company that usually handles things pretty efficiently, hopefully they submitted everything on time. I'll definitely keep an eye on my online account - that seems like a much better approach than trying to call and wait on hold for hours. Thanks for the tip about the 30-60 day timeframe after earnings appear too!
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Mine was late too but just showed up. I bet they're doing some kind of verification process. Last time this happened to me (about 2 years ago), I called and they said something about random verification checks on direct deposits. Just government bureaucracy doing its thing, I guess. Glad yours finally arrived!
yeah they should TELL US when theyre going to be late!!! gave me a heart attack!!!
I'm new to Social Security benefits and this thread is making me nervous about what to expect! I just started receiving my first payments last month on the 2nd Wednesday schedule. Should I be worried that this kind of delay might happen regularly? Is there any way to get notified in advance when SSA is doing system upgrades or processing delays? I'd rather know ahead of time than have a panic attack when my rent money doesn't show up on schedule like you all experienced.
Welcome to the SSA benefits world! Don't worry too much - these delays are pretty rare. In my experience over the past few years, maybe 2-3 times per year max. The frustrating part is SSA doesn't really have a great notification system for these delays. Your best bet is to check their main website occasionally (ssa.gov) as they sometimes post notices about system maintenance. Also, I'd recommend keeping a small buffer in your account if possible since the "early" deposits aren't guaranteed - they're just a nice bonus most banks provide. The official payment date is what matters, and that's almost always reliable.
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I was able to get through to SSA finally! The agent confirmed I'll only get 6 months of retroactive benefits, so I've definitely lost some money by waiting. But at least I'm getting it sorted now. The agent mentioned my benefit amount is a bit higher than it would have been at exactly 70 due to my extra work years, just like someone mentioned here. Still mad at myself for not knowing about this sooner though!
glad u got through! better late than never right?? at least ur getting those 6 months back
Great to hear you got through and are getting it sorted out! Don't beat yourself up too much - this is unfortunately a very common mistake because SSA doesn't do a good job of informing people about the rules around age 70. At least you caught it relatively quickly compared to some horror stories I've heard. The silver lining about your higher benefit amount from the extra work years is nice too. Make sure to keep an eye on when your first payment arrives - sometimes there can be processing delays even after you've applied.
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Thanks everyone for the responses. I'm going to try to get through to an agent to check on my application status. It sounds like the wait time is normal but I want to make sure they don't need any additional documents from me. I'll update when I know more!
Good idea. When you do speak with them, ask specifically if your application is "pending development" or just in the normal processing queue. "Pending development" means they need additional information or documentation.
I went through this exact same situation last year! Filed in September at my FRA, didn't get my first payment until December 20th (3rd Wednesday). The "in process" status is totally normal - mine showed that for about 6 weeks with zero updates. One tip: if you do call SSA, ask them to confirm your direct deposit information is correct in their system. My neighbor had his application approved but his first payment was delayed because they had an old bank account number on file. Also, keep checking your MySocialSecurity account - sometimes the status updates overnight without any notification. The waiting is the worst part, but it sounds like you're right on track for a December payment!
That's really reassuring to hear from someone who went through the exact same timeline! I'll definitely double-check my direct deposit info when I call - that's a great tip about the old bank account causing delays. It's good to know that 6 weeks of "in process" status is normal. I keep refreshing my MySocialSecurity account hoping to see some change, but I'll try to be more patient. Thanks for sharing your experience!
Jayden Hill
Unpopular opinion: maybe if we all stopped relying on government handouts, we wouldn't have to deal with this bs 🤷♂️
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Aidan Hudson
•Bruh, you're gonna get downvoted to oblivion with that take 💀
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Zoe Wang
•The benefits system is there for a reason. It’s a safety net for those who need support, not a handout.
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Marina Hendrix
I completely understand your frustration! I went through a similar ordeal last year. Here's what finally worked for me: 1) Call the main SSA number (1-800-772-1213) at exactly 8:00 AM when they open - your chances are much better then. 2) When you get through the automated system, press 0 multiple times to try to reach a human faster. 3) If you keep getting disconnected, try calling your local SSA field office directly - they often have shorter wait times. 4) Have your Social Security number, birth date, and all relevant documents ready before calling. 5) Be prepared to wait on hold for 1-2 hours even if you get through. Also, if you're able to visit in person, that might be faster than phone calls. Bring all your paperwork and get there early! The whole system is definitely broken, but persistence pays off. Good luck - you've got this! 💪
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