i see that all calculations for delayed credits are calculated in january after you file .
but if hypothetically i retired in july at 68-1/2 to pick an age , my checks for the rest of the year include no delay credits from the current year .
comes january my check will be recalculated to a rate that reflects 68-1/2 .
but i see nothing that says you ever get back the difference in the checks from the previous year that were at the older rate .
i remember reading something that said this is a gotcha and you never get that difference unless you always initially file in january instead of mid year .
i can't find a thing so far either way as to what happens with the money you never got on the august to december checks.
the ss website just talks about how they look at your delay credits in january and adjust you but no mention of the money you did not get at the higher rate on previous checks since you were not recalculated yet .
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I'm not sure if I mentioned it there, but when we went in to file and suspend, I asked the SS employee this specific question. He was pretty new, so he got one of the more experienced people who agreed with the "no catch up" interpretation.
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