{
 "protocol": "verified-facts/0.3",
 "key": "us/social-security-benefits/delayed-credit-monthly",
 "label": "Delayed retirement credit per month after full retirement age, born 1943 or later, up to age 70",
 "value": "2/3",
 "unit": "% per month (a fraction of 1%)",
 "period": "2026",
 "effectiveFrom": "2026-01-01",
 "effectiveTo": null,
 "source": "https://www.ssa.gov/benefits/retirement/planner/delayret.html",
 "quote": "1943 or later 8.0% 2/3 of 1%. The benefit increase stops when you reach age 70.",
 "verifiedDate": "2026-10-31",
 "nextScheduledRefresh": "2026-11-01",
 "changeCadence": "annual",
 "nextExpectedChange": "2027-01-01",
 "status": "fresh",
 "ageDays": 6,
 "maxAgeDays": null,
 "scope": "Benefit rules read from ssa.gov in a browser (ssa.gov answers 403 to automated fetches); the taxation amounts are from IRS Publication 915 (2025), the latest edition. Keys ending -2027 hold SSA figures already published for 2027; unsuffixed keys hold the 2026 value.",
 "hash": "sha256:0c613dfb765b207200773f7b31f5ca74cc90ef712d0266eecd630149bd6cc841",
 "signature": {
  "alg": "EdDSA",
  "kid": "db-2026-10",
  "jws": "eyJhbGciOiJFZERTQSIsImtpZCI6ImRiLTIwMjYtMTAifQ..jKQYJBslRhXyoQ-VgOJF9cJsf9JxnQet0n8W96ta0CyCqUuimkbVd5oubq5TBfaVWRIUjuDP4keZYV3WSQbBCQ",
  "keys": "https://databutler.dev/.well-known/jwks.json"
 },
 "publisher": {
  "name": "Data Butler",
  "url": "https://databutler.dev/"
 },
 "cite": {
  "url": "https://databutler.dev/facts/us/social-security-benefits/delayed-credit-monthly",
  "text": "databutler.dev, verified 2026-10-31 against https://www.ssa.gov/benefits/retirement/planner/delayret.html"
 }
}