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    Social Security

    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

    DRC

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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.

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