Delayed Retirement Credits
Delayed Retirement Credits are permanent increases to Social Security benefits for delaying past Full Retirement Age, adding 8% per year up to age 70.
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Exam Tip
DRCs = 8% per year past FRA (up to age 70). NO credits after 70. Spousal benefits do NOT get delayed credits.
What Are Delayed Retirement Credits?
DRCs are permanent increases for postponing Social Security benefits beyond FRA.
Credit Rate
- 8% per year (2/3% per month)
- Maximum at age 70
- Maximum increase: 24-32% depending on FRA