Social Security is changing, and many people are feeling uncertain and worried. For millions of retirees and disabled workers, these changes could mean delays in their payments and less help when they need it. It is no surprise that people are asking questions about what is happening and how it will affect them.
From people ready to start their benefits at age 62 but unsure when the money will come, to those worried about harder-to-reach Social Security offices, the picture is clear: many feel stuck between financial needs and a stressed system.
Why are some claiming social security early?
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Many people want to delay Social Security benefits until they turn 70 because waiting means bigger monthly payments. But it is not always that simple. Out of more than 5,000 comments, one person shared their experience, saying, “I am 62, retiring soon, and I’m ready to start my Social Security checks because I don’t have any savings. I have an appointment with Social Security on June 9. When will I receive my first payment?”
A Social Security expert, Kerry Hannon, explains that it usually takes 30 to 45 days after applying to get the first check. But now, Social Security offices are struggling to keep up with demand, so delays are likely. Hannon advises applying at least four months before you want benefits to start, but even then, delays can happen. Many people claim their benefits early because they have no other source of income. Some can’t find work because of age discrimination, as some employers often stop hiring or even consider older workers. According to a survey, while many want to work past 62 or 67, most retirees stop working earlier, and not always by choice.
The impact of staff cuts and what they mean
The Social Security Administration (SSA) has faced sharp cuts to staff and field offices in recent years. The Trump administration closed many local offices and limited phone support, leaving seniors frustrated. One commenter said, “Who would have thought cutting phone service and closing offices would make things harder for seniors?” Another wrote about their long drives to reach a Social Security office. Good phone and online service are crucial for those who live hours away. However, wait times on the phone have increased significantly—calls are up 25% this April compared to last year, and many people cannot get through.
Experts warn that even though the SSA paused some service cuts after public outcry, the agency is still losing thousands of jobs. Kathleen Romig from the Center on Budget and Policy Priorities said these staff cuts hurt everyone who depends on Social Security. Jason Fichtner, who used to work at Social Security, expects more delays and problems ahead because the agency is stretched too thin and still relies on old technology.