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.
Also known as
Related terms
- Full Retirement Age
Full Retirement Age is the age you can claim 100% of your Social Security retirement benefit. It is 67 for people born in 1960 or later.
- Social Security Retirement Benefits
Monthly cash benefits paid by the SSA to workers who have earned sufficient work credits and choose to begin collecting retirement benefits, available as early as age 62 (reduced) or as late as age 70 (maximum).
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Frequently asked questions about Delayed Retirement Credits
What is Delayed Retirement Credits?+
Bonus credits that raise your Social Security retirement check for each year you wait past FRA.
Who qualifies for Delayed Retirement Credits?+
Anyone delaying their Social Security retirement claim past Full Retirement Age.
How do I apply for Delayed Retirement Credits?+
Just delay your claim; SSA adds the credits automatically.
Where can I get help?+
Call BenefitKarma at (866) 201-2604 or use our free benefit screener.