Delayed Retirement Credits
Delayed Retirement Credits raise your Social Security retirement benefit by about 8% per year for each year you wait past Full Retirement Age, up to age 70.
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Frequently asked questions about Delayed Retirement Credits
What is Delayed Retirement Credits?+
Delayed Retirement Credits raise your Social Security retirement benefit by about 8% per year for each year you wait past Full Retirement Age, up to age 70.
Who qualifies for Delayed Retirement Credits?+
Workers who have earned enough Social Security credits, plus eligible spouses and survivors.
How do I apply for Delayed Retirement Credits?+
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. There's no cost to apply. Official forms and instructions: https://www.ssa.gov/benefits/retirement/planner/delayret.html.
Where can I get help?+
Create a free account at ssa.gov/myaccount to check your earnings record and benefit estimate. BenefitKarma's free Benefit Eligibility Screener can also point you to the right Social Security program.