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fffred
Conversationalist ⭐⭐⭐
February 19, 2025

Those huge delays in Social Security processing, Are they?

  • February 19, 2025
  • 26 replies
  • 6606 views

It doesn't seem that processing times are extraordinarily long such that there is a systemic problem (there is a problem but this is not it). A few thoughts on this:

 

1 - This article at SSA indicates "You can apply for retirement benefits up to 4 months before you want to start receiving your benefits." https://www.ssa.gov/faqs/en/questions/KA-01891.html, So, no point in applying sooner, you'll just be waiting longer.

 

2 - I have read, and been told by SSA representatives over the phone, that while they may begin processing upon receipt of the application, it may not be completed until closer to the month that the benefit is to begin. So, you apply in January for benefits to begin in April (with first payment in May) you may see no activity on your application until sometime even in April. I have no documentation of this scheduling but it's what SSA rep's told me once or twice, so this is anecdotal. (And this was the case for me.)

 

3 - Per the SSA itself, "Percentage of people receiving benefits on time or within 2 weeks of applying" ranges around 80% to 85%. That quoted phrase is a bit to unpack. I see two different interpretations, (1) two groups of people, one who receive their benefits within 2 weeks of applying, and another group who receive their benefits "on time" per their application's elected age. Another interpretation, (2) one group of people, those who receive their benefits within two weeks of their application's elected age. Either way, the percentage is very high. See https://www.ssa.gov/ssa-performance/processing-time-benefits


I understand the anguish people go through while waiting for their retirement benefit; I went through this myself 3 years ago. I kept a status/contact log in a spreadsheet, recording all the times I checked My Social Security or called for something. My log shows a very "frustrating" period of time. My own application could have been affected by the fact I was no longer resident in the US when I applied (US Citizen but a resident of Canada), this can impose additional investigations, requiring more time.

 

I believe the biggest mistake that the SSA makes is with lack of accurate feedback on the page where you check your application status. Perhaps the current method has changed; when I applied I could log in to check the progress (I don't recall if this was in My Social Security or another place) and there were 3 stages, 1, 2, 3, Bingo! And at that time a message indicated "A representative in [Baltimore, Maryland for my case] started reviewing your application on February 8, 2022. For most people, this review takes 2 to 4 weeks." Maybe that time period was accurate, although I doubt it, this was in the middle of the pandemic. Systems all over were hung up, I'm sure SSA's were too.

 

The SSA should tweak that message dialog so as to temper peoples' expectations (I know this frustrated feeling well!). The simple three steps could be replaced, maybe with a dial clock-type showing the progress. Or progress bars. And to be more circumspect with the expected duration they put on the message (if they still do this). Maybe they could just show that they expect to have approval completed during your retirement month from your application...so many (myself included) may expect approval to "just proceed" right away and then when it's time they'll get their benefit.

 

My suggestion is that applicants chill out, relax. It's gonna take some time. In MOST cases there won't be any problems with your application. Which is to say that in some few cases, yes, there may be some hang ups. That earlier SSA article states "Each year, we typically sign up over 6 million new customers for the Retirement, Survivor, and Medicare programs. We're committed to ensuring that our customers get their payments or coverage promptly." 6 Million, that's a lot. And consider their stated goal. To me this is reassuring.

 

Good luck!

 

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    26 replies

    GailL1
    Community Champion ⭐⭐⭐
    February 19, 2025

    Good post and information.   

    To add just one other small point - it seems a lot of people start their application around the beginning of the year so volume has most likely been very high.  Add to that the panic some are experiencing and there is a double whammy in the number of people applying all at the same time.  

     

     

     

     

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
    SummerOnTheWay1
    February 19, 2025

    📎  [2/19/25] @fffred , yes I had applied online 4 months ahead of tirning 62 in 2020. Had planned on working longer but COVID helped me out the door.

     

    I may be wrong, but it is only going to get worst as STAFFING is an issue.

     

    Best to have a BACK UP PLAN to pay bills these days.

     

    Gone are the days when APPLYING for your RETIREMENT Social Security was easy.

     

    Lol, now to HOPE I die BEFORE they either reduce or elimate.

     

    @GailL1 , I seem to remember you saying 2035.

     

    Anyway, excellent discussion!!! 👵

    fffred
    fffredAuthor
    Conversationalist ⭐⭐⭐
    February 19, 2025

    I believe that staffing issues (and paying for staff) will be an important point in the future (as it is now). Apparently the computer hardware and software used by the SSA are of retirement age themselves. It's likely that new systems would improve service as well as reducing overhead (though I wonder if it ever is really the case that overhead is reduced in this way, it seems that other costs come in).

     

    To date, the SSA systems have been built to be robust, accurate, and immune to interference. Not all software is built to these high standards, so it's not like the SSA can go down to Best Buy and purchase 100,000 shrink wrapped boxes of SSA 3000 software application, Windows Version. But sometimes you have to spend money to make money...or to run your government. I hope that improvements planned for SSA systems will be as robust as those developed in the past. Let us hope!

    Conversationalist ⭐⭐
    February 19, 2025

    SSA should be able to leverage software and hardware designed to meet other federal agencies' stringent requirements. For example, the Army, Navy and other DoD branches started using the same platforms as much as possible because it was cheaper and faster than requiring vendors to create bespoke products that had 95% of the functionality of what another branch already had.