---------JohnFiscal wrote: ↑Tue Feb 16, 2021 9:51 pmSorry, a bit late to the game. But wanted to put this out there as the Anypia32 program is really useful for what it does.montanagirl wrote: ↑Fri Jul 17, 2015 7:34 am OK per Whaleknives I changed with Date of Entitlement to 2019, and got my number. Doesn't make sense that Date of Entitlement and Date of Benefit should be the same, but it works.
Thanks
The "Date of Benefit" input is provided so that the benefit amount can be calculated for a "future date". This is necessary sometimes when calculating benefits for spousal, etc.
If this benefit at some "future date" is required by the program you will know because anypia21 puts up a message "Benefit date must be at or after family member's date of entitlement".
Edit to add: okay, another case where this input is useful. There's an arcane wacky rule that if you have delayed retirement credits you don't fully obtain them until January of the following year. Your delayed retirement benefits for that first year of benefits will be based on the number of months from your FRA to the previous January. Then you wait until the next January to obtain all of your delayed retirement credits. That is, unless you have delayed for precisely the 48 months required to obtain the 1.32 factor (at least, for my cohort). I suppose the general rule is that you have delayed until precisely your 70th birthday. Then you will get the full 1.32 factor (etc) immediately. This was quite astonishing to me when I discovered it. It's not clear to me if those missing months of credit are ever made up.
That rule was always shown on this page at the SSA but now they have bolded the text, I guess a lot of people were surprised by this. See https://www.ssa.gov/OACT/quickcalc/early_late.html "If you retire before age 70, some of your delayed retirement credits will not be applied until the January after you start benefits."
I apologize, I just joined the forum, am a little unsure about using the forum tool correctly.
John Fiscal, thanks a lot for your insightful post.
I am going through the above issue (SSA delayed benefits) and am having a rough time explaining my problem to SSA agents.
I would really appreciate it if you have any further insights since your last post (above) on this topic. I did use the anypia32z.exe, I think successfully.
To make it concrete for this discussion:
Entitlement date: November, 2020 ( at 69 years 10 months)
1st benefits check date: December, 2020
70th birthday: January, 2021 (happens to be the first Jan. after I start receiving benefits)
Current date: November, 2021
Received: 12 payments (dec 2020-nov 2021) already at the age 69 benefits amount.
Monthly amt: Received amount is same as calculated by anypia.exe but calculated for jan, 2020 (age 69).
The amount is as though I had entered entitlement date: jan 2020.
On mySSA account, there in no reference to any unaccounted credits or forthcoming adjustments for
the 10 month delayed credits!
As I said, the credit for the 10 months is still not forthcoming. Furthermore, the SSA agents have no idea what I am talking about. The 10 months credit has disappeared in some kind of black hole.
I would like to chalk it up to pandemic-related personnel shortages.
Anyone had a similar experience recently with these missing delayed credits ?
Questions:
- SSA article says: "some of your delayed retirement credits will not be applied until the January after you start benefits."
In the forum's opinion, in my case delayed credits should have been applied January 2021, right? What is your interpretation?
The reason I ask is that In my case, I haven't received any adjustments at all.
- John Fiscal, do you have any further insights/information about the comment you have made:
"It's not clear to me if those missing months of credit are ever made up"
I have dealt with this for some time now and now I am starting to doubt myself.