Dear Rusty: The time is nearing that I want to move from my current Social Security survivor benefit to my own SS retirement benefit at 70 years of age. I have been looking more deeply into the application of Delayed Retirement Credits (DRCs), and I have read that DRCs accumulated in the year that I turn 70 (September 2026) will not be effective when I actually turn 70. Rather, those DRCs won’t be paid until the following year. Can you verify that this is correct? I presume that if the DRC’s are not applied at age 70, that they will be applied sometime after the first of the year and any increase will be paid retroactively. Signed: Retiring Soon