Huge delays in Social Security processing new retirement applications, does anyone know why

[CatherineP879665]

The website for Social Security used to say that it would take up to 30 days to process new applications for retirement benefits.  In a week it will have been three months.  Now the website says 2-4 weeks, but that has got to still be wrong.

I gather from other forums, that a delay of 2-3 months is now normal.

What I would like to know is, why?

Every time I try to search for information, all of the results are about disability, not retirement.  And not a single results explains why it is taking so long when they already have my entire work history of 47 years, etc.  They have all the information they need.

What exactly is it that they do to process applications which turns 2-4 weeks into 2-3 months.

Does anyone know why?

I cannot work a job right now, my arthritis is too painful.  

I can't wait more months to begin getting retirement checks, I will be homeless.

[GailL1]

@KarenC940882 

If you are getting emails on the replies to this thread - you can change that by YOUR SETTINGS - subscriptions and notifications.  

[JuneH580660]

No one on this has the answers they are looking for. Why the delays? Even when everything is correct and you have earned every dime and all the records match and there are no documents needed. These are people that worked for over the 35 year requirement and they are not asking for disability. They are asking to get what they have earned and asking what the delay is. No one has answered why the delay?. I know exactly when I am supposed to receive my first check, but why isn't the application approved., when it was submitted timely and said takes 2 to 4 weeks and it has been 6 now. For others on here the delay is much more severe. 

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@KarenC940882 wrote:

Please close comments on your post.  They are becoming redundant and the commenters are not reading to see what has already been answered.  Surely by now you have the answers you were looking for.  Thanks,

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@KarenC940882 wrote:

Please close comments on your post.  They are becoming redundant and the commenters are not reading to see what has already been answered.  Surely by now you have the answers you were looking for.  Thanks,

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[OttoDelphiaHawn]

I see that you posted this on 04-27-2024 and you were about 6 weeks delayed at that time.  It's now February 1, 2025.  Was this resolved for you, and if so, how long did it take?

[iamonewithhim]

Congress, especially Republicans, refused to give SSA additional funds for hiring new staff, even though they are at an all time low, and more and more baby boomers are retiring. The country voted this new administration in so this is just the beginning of things to come, although I do hope and pray Congress and the President and his minion Musk will have a change of heart. I would want to be a federal worker right now. And that's another problem. With the new administration coming in, more and more people are leaving or retiring early.

https://www.govexec.com/management/2024/10/without-budget-anomaly-ssa-hiring-restricted-and-overtime...

[karblaze]

Minimum requirement of employment is 10 years. 40 credits.  If you worked much longer, they take the top income of  35 years to do the calculationof your benefit. That's where the 35 years comes from.

[GailL1]

@JuneH580660 

For specifics on your account, you will have to contact them to find out about the delay.  It could be just about anything - 

Like a problem I was reading about recently - the beneficiary was making too much money at 62 to get a benefit since the benefit is reduced  $ 1.00 for every $ 2.00 he makes over the earnings cap ( 2024 = $ 22,230 ) before FRA (Full Retirement Age)

He initially got the benefit for a few months in 2023 and then got a letter explaining that it would be stopped until he stopped working or made much less money.

https://www.reddit.com/r/SocialSecurity/comments/1ceflrs/comment/l1iln3i/?context=3 

This has to do with the Earnings Test -because you are or will be 62

https://secure.ssa.gov/poms.nsf/lnx/0302501021 

Then there is the Entitlement rule that state you have to be 62 for a full month before benefits begin.

https://secure.ssa.gov/poms.nsf/lnx/0300201001 

So you see it does have to go thru a process and for those who are 62 there are additional reviews like the ones above in the SSA Program Operations Manual System (POMS)

Sorry it has been delayed for some reason.

[JuneH580660]

I have not had income for years, living off my savings and retirement, waiting to be approved for my SS. The whole point is, there is no reason for the delay on my specific approval and I have called and emailed and noone in the SS office seems to know why there is a delay with mine. As I can see from several comments, I am not alone. We are all wondering why. For mine specifically absolutely no reason for a delay. I am applying under my own 40 year record (35 best years) . I will keep posting until I see my approved letter, in the system or paper. Maybe the new SS commissioner will straiten things out, remains to be seen. 

[DavidT155196]

Did you get your approval letter?  How long did it take?

[annemarie401]

Has your application been approved? What are you doing about health insurance while you wait for the approval?

[rolocedoc]

Hopefully,  there will be a more human being to facilitate the operations of SSA - if we don't see T.coli sitting in the White House - again - cmon voters - wake up!

[CandyH934045]

Musk fired everyone.  No one will get SS benefits for ages.  Just remember to thank everyone you know who voted for a Republican.  They love this **bleep**.  It means less money to Americans, and more money to the filthy rich.

[ThomasH239167]

This delay from SS started many years ago and has nothing to do with the current president. I agree - we'll be well off with Kamala Harris in the White House, not a criminal.

[GailL1]

@JuneH580660 

a bit more info from SSA -

“Please note that relatively few people can begin receiving a benefit at exact age 62 because a person must be 62 throughout the first month of retirement. Thus most early retirees begin at age 62 and 1 month.”

https://www.ssa.gov/oact/quickcalc/earlyretire.html 

So you may have a bit longer to wait based on your birthDAY in June.  

[GailL1]

@JuneH580660 wrote 

. . . . . Maybe the new SS commissioner will straiten things out, remains to be seen. 

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At this point I think he has his hands full with trying to resolve the enormous number of overpayments that SSA is trying to collect or reconcile for the Social Security Program (mostly SSDI) or the Supplemental Security Income program, which SSA also administers.

OR maybe the HUGE number of Disability claims that are backlogged.  

All I know is that early retirement claims do have to go through a few other steps but not many.  

I believe you said you would not be 62 til June - if that is right, you may not get the letter until about 3-weeks before your benefits start.  They may be putting them in priority date order by benefit date.

Do you know if they did receive it?  Do you at least have that confirmation?

[JuneH580660]

Unbelievable. I worked over 40 years and was forced to retire a few years ago. Living on my savings and retirement, but will be 62 in June. So I applied on March 11th to make sure I don't miss a check and it says 2 to 4 weeks for approval. What is there to approve. I am asking for what I worked hard for my whole life on my record. Called twice, after 3 hours, got nowhere. I think it is on purpose. I never received anything and don't want disability. I just want what I worked for. It has caused stress waiting for them to approve. Making me sick. 

[GailL1]

@JuneH580660 

Rushing the process in your case doesn’t matter.

If you aren’t gonna be 62 until June, then your 1st check won’t come until after that date - In fact, you aren’t even eligible for a SS RIB (REtirement Insurance BEnefit) until you are 62.

• 62 is the earliest age for SS retirement benefit
• your benefit will be reduced because you are filing to receive it early.
• SS Retirement benefits are paid (1) month in arrears so if you turn 62 in June, your 1st benefit will be paid in July (for June) according to the SSA Benefit calendar

If they are late - they will send enough benefit amounts to meet your early retirement date.

[JuneH580660]

I am well aware of all the rules and regulations, I am not looking for the check even a day early, I am looking for the letter that comes once you are approved. I also know exactly when my check should come. I am also well aware of all the information out there telling people that they will get more if they wait. A bunch of very ill intentioned information. I can fo math.

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@GailL1 wrote:

@JuneH580660 

Rushing the process in your case doesn’t matter.

If you aren’t gonna be 62 until June, then your 1st check won’t come until after that date - In fact, you aren’t even eligible for a SS RIB (REtirement Insurance BEnefit) until you are 62.

• 62 is the earliest age for SS retirement benefit
• your benefit will be reduced because you are filing to receive it early.
• SS Retirement benefits are paid (1) month in arrears so if you turn 62 in June, your 1st benefit will be paid in July (for June) according to the SSA Benefit calendar

If they are late - they will send enough benefit amounts to meet your early retirement date. Do you work for the goverment? 

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Bird in the hand. 

[GailL1]

@JuneH580660 

If you have set up your own Social Security Account, your benefit letter will appear there on your account before you get the letter in the mail.

[JaceyA990315]

Applying for retirement benefits has been a nightmare for me as I'm unemployed and have been waiting for over 6 weeks. Don't apply for benefits online it may seem like it's more convenient, but I was informed by an employee at my local SS office there are always problems with online applications as I'm proof of that. After 4 weeks with no response from SSA or approval. I got a generic form letter in the mail from a claim specialist stating he needed more information but neglected to place in the letter what that information was. I called him numerous times and left numerous messages with no response from him. When I contacted my local SS office it took a couple of people a long long time to find out what he was referring to. Eventually they had to place me on a long hold and contact this claims specialist who was in another state. I', a little past 6 weeks and just found out yesterday from my local SS office that my online application was sent to the wrong processing office! So, I still have no income, insurance or anything. This is so horrible when we have worked our entire lives to hopefully have some peace and quiet from the everyday grind and stress of working! 

[PatrickC94564]

I applied November 2023. Did an interview February 8th. Turned 62 on February 20th 2024

 I still haven't heard anything from SSA. When I called the 1800 number they say decision yet to be made. Anyone else in the same boat or When should ai expect payments to start 

[PatrickR342634]

I am gonna be applying in 2 weeks. this will be my only income. I cant afford not to go months without it. Why they doing this?? I could not delay or cut my payments during all my life! Who is in charge of this?

[GailL1]

Then you should know the rules before applying so that you can be aware of the timing.

SSA now says to apply (4) months in advance of when you want your benefits to start.  

Keep in mind that SS benefits are paid one month in arrears so if you say JULY - then your payment starts in August and the date of payment is based on a calendar of benefit payments - by your birth DAY.  

Then if you are applying for early benefits at the age of 62 - you have to be 62 for an entire month before you can get your benefits so include that in your timing.

You should also read up online on any supporting docs which they may need to process your claim - and have those ready.

You should also understand how Medicare will work with your benefit if over 65 and make sure that you have your documents ready if you are signing up after you have turned 65.  

\You should also be aware that if you are less than full retirement age and are still working and making over the earnings cap your claim maybe rejected or your benefit reduced because of the earnings cap.

There are lots of reasons why claims are slowed down and much of it is within your control so just understand the things you can do in order to not slow it down any further.  

[CapeCodNancy]

I just got off the phone with this number 855-897-4927. I was directed to this number before and the person did nothing more than give me the extension of a case manage who after 7 ish messages never called me back. I must have called 5 different departments. I was given this phone number again and called and got the most wonderful lady who has a case manager calling me today (fingers crossed). Anyway, it appears, although My Social Security website has me down as applying for SS and I'm locked on everything (i.e. I couldn't even re-apply) what they have is only applying for disability. Hopefully, this will be resolved today. She said they are getting quite a few calls like that - that the application didn't go through on their end. Maybe it's worth a try calling them? Just don't let them give you an extension - ask to set up an appointment. Good Luck!

[VickieD326695]

I was advised by SSA to contact my State Congressional Representative as the wait has been ridiculous and unable to get any info on why it’s taking so long. I applied in March, to begin in March. It’s now mid August! Hoping State Rep gets it taken care of asap

[w978834b]

called this number and it was answered by a very rude person that asked me where I got this number and very angrily told me that I need to call my local SS number, that this number was in North Carolina, I will never call that jerk again

[PatrickC94564]

I applied for retirement benefits last November did over the phone interview February 8th and I turned 62 February 20th but I still have not received anything from SSA. Not sure what's going on.

[GailL1]

Sign onto your Social Security account and you can follow your applications progress there - 

SSA says to apply for benefits up to 4-Months before you want your benefits to start - but since they called you in Feb. 2024 for a phone interview it sounds like they might have needed more info from you then than what they had on you from November.

They might still need more info if something is amiss - so if you don’t have your Social Security account established - create one or call the CS number and wait and wait to see what’s up with your application.

Did you give them your banking info for direct deposit?  

[PatrickC94564]

They have my bank information. Is it true that they send a letter first before they send payments? I have not received anything so far. Just being curious.

[ThomasH239167]

I'm SO grateful for your post. I wasn't having any luck getting in touch with anybody until I called the number you mentioned - 855-897-4927. It's a N. Carolina number. The first time I spoke to a lady who just hung up on me when she couldn't understand me. But the 2nd time I called and the man told me details about my case, and told me to call my local office in Los Angeles. They were able to help and get my 70-day old SS retirement application approved, finally. Thanks for your help!

[CapeCodNancy]

I applied in August and it is only done with stage 1 of 3. I'm waiting for a call back - they can't find me (automated). I know disability will take longer but I don't know what's going on with retirement 😞 BTW disability is steadily chugging along