

Ask the community...
Congratulations on the job offer! One important thing to add - if you decide to keep your Social Security active and let the earnings reduction happen naturally, make sure to report your new job to SSA as soon as possible. You can do this online through your my Social Security account or by calling them. If you don't report it promptly and SSA finds out later (which they will when you file taxes), they may create an overpayment that you'll have to repay anyway. It's much better to be proactive about it. Also, keep detailed records of your earnings and any correspondence with SSA. This will help if there are any discrepancies later when they do the annual earnings reconciliation. Good luck with your new job - it sounds like going back to work is the right choice for you at 63!
This is excellent advice! I'm new to all this Social Security stuff and didn't realize how important it is to report employment changes right away. I'll definitely set up that my Social Security account and report the new job as soon as I officially start. The last thing I want is to deal with overpayment issues down the road. Thanks for the heads up about keeping records too - I'll make sure to document everything!
As a newcomer to this community, I just wanted to say how helpful this discussion has been! I'm approaching retirement age myself and had no idea about these withdrawal options or the earnings limits. The distinction between withdrawing the application completely vs. letting benefits be suspended due to work earnings is really important to understand. @Amara Nwosu, it sounds like you're getting great advice here - especially about reporting your new job right away to avoid overpayment issues later. Best of luck with your new position!
Welcome to the community! I'm also new here and have been learning so much from these discussions. This thread has been incredibly educational - I had no idea there were so many nuances to Social Security decisions. It's great to see experienced members like @Fatima Al-Farsi and @ElectricDreamer breaking down the complex rules so clearly. @Emma Garcia, you re'absolutely right about how important it is to understand these options before making retirement decisions. Thanks everyone for sharing your knowledge!
As someone new to receiving Social Security benefits, this thread has been incredibly helpful! I just started getting my retirement payments a few months ago and wasn't sure how holidays would affect the schedule. Based on what everyone is saying, it sounds like the key is to prepare for potential banking delays rather than SSA delays. I'm definitely going to contact my credit union this week to ask about their holiday processing timeline. It's reassuring to know that the payment will still come on December 24th - I was worried it might get pushed all the way to after New Year's!
Welcome to the Social Security community! It's great that you're being proactive about understanding the payment schedule. Since you're new to this, I'd also suggest creating an account on MySocialSecurity.gov if you haven't already - it's really helpful for tracking your payments and getting official updates. And yes, definitely check with your credit union about their processing times. Credit unions often have different holiday schedules than big banks, so it's worth asking specifically about deposits received on December 24th and how quickly they'll be available in your account.
Just wanted to add my experience as someone who's been getting Social Security for about 15 years now. The December payment situation has come up several times, and here's what I've learned: The SSA is actually pretty reliable about getting payments out on schedule, even around holidays. The real wildcard is always your bank or credit union. What I do now is check my account balance online the evening before my expected payment date, then again first thing in the morning. If it's not there by noon on the payment day, I call my bank directly rather than SSA. Nine times out of ten, it's just a processing delay on the bank's end. Also, if you're really concerned about December 24th, you might consider switching to paper checks just for that month - you can change it back to direct deposit afterward. The paper check usually arrives a day or two before the electronic deposit would hit anyway.
That's really helpful advice about checking with the bank first rather than calling SSA! I'm also pretty new to this whole system and was planning to panic-call SSA if my December payment seemed late. The tip about temporarily switching to paper checks for December is interesting too - I hadn't thought about that option. Do you know if there's a deadline for requesting that change, or can you switch back and forth pretty easily? I'm still learning all the ins and outs of managing Social Security payments, so any practical tips like these are really appreciated!
Thank you all SO MUCH for this helpful information. I feel much better about her trying to work now. I'm going to help her look into Ticket to Work and make sure we document everything carefully. It sounds like a part-time minimum wage job should be safe as long as we stay under that SGA amount and report everything promptly. It would mean so much for her self-esteem to have even a small real job after everything she's been through.
I'm so glad you're feeling more confident about this! Your daughter is lucky to have such a supportive parent helping her navigate these complex rules. One small thing I'd add - when she does start working, it might be helpful to set up a simple spreadsheet or notebook to track her monthly earnings alongside all the documentation everyone mentioned. That way you can easily see if she's approaching any limits and have everything organized if SSA ever requests information. The fact that she's already volunteering and building confidence shows she's ready for this next step. Wishing her all the best with finding the right part-time opportunity!
That's such a wonderful idea about the spreadsheet! I wish someone had told me that when I was helping my brother navigate work and SSI years ago. Having everything in one place makes such a difference, especially when you're already dealing with the stress of managing a disability. It's really heartwarming to see how supportive this community is - reading through all these responses gives me hope that people can successfully work while maintaining their benefits when they have the right information and support system.
Hi everyone! I'm new to this community and currently dealing with a very similar situation with my father-in-law's spousal benefits application. He applied about 6 weeks ago and we're also stuck in processing with no clear timeline from SSA. Reading through all these responses has been incredibly enlightening - especially the detailed explanations from @defef4c9b885 and @83f1d3cb8ee7 about dual entitlement reviews. I had no idea that already receiving your own retirement benefits could create such complex coordination issues! The Congressional representative approach that @4ec3e81f774e mentioned sounds like our best option at this point, given all the success stories shared here. I'm also going to try the 7am calling strategy and specifically ask about protective filing status. It's really frustrating that SSA doesn't explain these potential complications upfront when you apply. @d3125d870638 - thank you for starting this discussion, it's been so helpful to see we're not alone in dealing with these delays. Please keep us posted on what finally works for your dad's case - I'm sure many of us would benefit from knowing which approach actually gets results!
Welcome @da0a83e532f5! I'm also new to this community and it's incredible how supportive and knowledgeable everyone has been. Your father-in-law's 6-week delay sounds so frustrating, but this thread has given me real hope that there are effective strategies to break through these bureaucratic bottlenecks. The dual entitlement review explanations from @defef4c9b885 and @83f1d3cb8ee7 have been absolute game-changers for understanding why these applications get so complicated behind the scenes. I'm helping my own elderly family member with SSA issues and had no idea about these coordination complexities when someone is already receiving retirement benefits. The Congressional representative success stories, especially the 10-day turnaround that @4ec3e81f774e shared, seem to be the most consistently effective approach when standard channels fail. I'm definitely implementing the 7am calling strategy and will ask specifically about protective filing status. It's such a relief to find a community where people share real, actionable solutions rather than just venting frustrations. Hopefully @d3125d870638 will update us soon on which approach finally works - their experience could help so many of us navigate these challenging delays!
Hi everyone! I'm new to this community but found this thread incredibly helpful as I'm currently dealing with my mother's spousal benefits application that's been delayed for about 8 weeks. Reading through all the detailed responses here has been so enlightening - especially the explanations from @defef4c9b885 and @83f1d3cb8ee7 about dual entitlement reviews. I had no idea that already receiving retirement benefits could create such complex coordination issues behind the scenes! My mom is in the exact same situation as @d3125d870638's father - already receiving her own retirement but eligible for higher spousal benefits. The Congressional representative approach that @4ec3e81f774e and others mentioned sounds very promising based on all the success stories shared here. I'm definitely going to try the 7am calling strategy and specifically ask about protective filing status. It's frustrating how SSA doesn't explain these potential complications upfront, but I'm so grateful for this knowledgeable community sharing practical solutions. @d3125d870638 - I really hope one of these strategies works for your dad soon, and please keep us updated on what finally breaks through! Your experience will definitely help others facing similar delays.
Welcome @8430a52d15c7! I'm also new to this community and dealing with my own family's SSA challenges. It's really encouraging to see how helpful and detailed everyone's responses have been in this thread. Your mother's 8-week delay with spousal benefits sounds incredibly frustrating, especially when you're already navigating the complexity of dual entitlement situations. The explanations from @defef4c9b885 and @83f1d3cb8ee7 about coordination issues between existing retirement benefits and spousal benefits have been such valuable insights - I had no idea these seemingly straightforward applications could become so complex behind the scenes! The Congressional representative strategy that @4ec3e81f774e shared, along with those 10-day success stories, seems to be the most consistently effective approach when standard channels aren't working. I'm also going to implement the 7am calling tip and ask specifically about protective filing status. It's such a relief to find a community where people share real, actionable solutions rather than just commiserating about the frustrations. Hopefully @d3125d870638 will update us soon on which strategy finally works - their breakthrough could really help all of us who are dealing with similar processing delays!
Dmitry Popov
Just to follow up - this is definitely a Medicare premium refund. One thing to know is that SSA works on a month-behind schedule for Medicare premiums. So when you get your February payment, it will have January's Medicare premium deducted. The system is basically refunding you for premiums you directly paid that will now be covered through the automatic deduction system. It should all straighten out within 1-2 payment cycles.
0 coins
Fatima Al-Suwaidi
•Thanks for confirming! The month-behind schedule explains a lot. I'll keep track of everything to make sure it all balances out over the next couple of months.
0 coins
Clay blendedgen
I had a similar experience when I started my benefits last year! Got a mystery deposit of $265 about two weeks before my first official payment. Like others have said, it was definitely a Medicare premium refund. The timing can be confusing because SSA processes these refunds as soon as they set up your benefit deductions, but your actual monthly payments follow a different schedule. The good news is once everything is set up, it runs smoothly. Just make sure to keep records of all these transactions for your taxes - those Medicare premium payments and refunds can affect your medical deductions.
0 coins
Dmitry Ivanov
•That's a great point about keeping records for taxes! I hadn't thought about how these Medicare premium payments and refunds might affect medical deductions. Do you happen to know if the refunded premiums still count as medical expenses for the year you originally paid them, or does the refund cancel that out? I want to make sure I handle this correctly come tax time.
0 coins