As someone new to this community, I wanted to share what I learned from a similar situation with my aunt. She was FERS and her ex-husband was CSRS - almost identical to your case. When the WEP/GPO reforms went into effect, we discovered a few things that might help: First, the timing really matters. Even though the benefits increase gradually over the 20-year phase-in, filing sooner rather than later can lock in his rights to future increases. Her ex waited 6 months and ended up missing out on some retroactive payments. Second, don't just rely on the SSA website calculators - they haven't been updated for all the WEP/GPO changes yet. The representatives at the local office had access to newer calculation tools that showed a much different (and better) result. One thing that surprised us was that his ex-spousal benefit calculation was actually higher than expected because the GPO reduction was smaller under the new rules. With his current $320 benefit being so low, there's definitely room for improvement. I'd suggest having him contact SSA within the next month or two. The offices are busy with these cases, but the sooner he gets in the system, the better. Best of luck with this - the new rules really can make a difference for CSRS retirees in situations like his!

As a newcomer to this community, I wanted to share some additional insights that might help with your ex-husband's situation. I've been researching the WEP/GPO changes extensively since my own father is affected as a CSRS retiree. One thing I discovered that hasn't been mentioned yet is that the new legislation also changes how the "substantial earnings" threshold works for WEP calculations. If your ex-husband had years where he paid into Social Security while also contributing to CSRS (which was possible in certain situations), those years might now count more favorably toward reducing his WEP penalty. Also, since he's 74 and you're 62, there's an interesting timing aspect here. If his ex-spousal benefit on your record turns out to be higher than his current benefit, he could potentially receive the difference retroactively. But more importantly, as you continue working or if your benefit increases over time, his potential ex-spousal benefit could also increase since it's based on your earnings record. Given that several people have mentioned the difficulty reaching SSA by phone, I'd also suggest checking if your local office offers "Social Security by Appointment" services. Some offices have dedicated appointment slots specifically for WEP/GPO cases since they require more specialized knowledge. The fact that his current benefit is only $320 really suggests the old WEP rules hit him hard, so there's likely significant room for improvement with these reforms. Definitely worth pursuing!

I work as a customer service representative for a government benefits office and see this confusion all the time. What you experienced is completely normal! Your first Social Security payment is typically prorated based on your entitlement date, and then you have regular deductions like Medicare premiums and any tax withholding you elected. The key thing to remember is that Social Security pays in arrears - so your February payment (received in March) will be for the full month of February and should be much closer to your expected amount minus only the standard deductions. I always tell people to wait for their second payment before panicking, as that's when you'll see the true monthly amount. If you're still concerned after your March payment, definitely contact SSA or check your online account for a detailed breakdown.

I'm dealing with this exact same situation right now and it's been driving me crazy! My first payment was only $891 when I was expecting $2,340. After reading all these responses, I'm starting to piece together what happened. I think mine was prorated for mid-January start date, plus I have Medicare Part B and elected 10% tax withholding. The math is starting to make sense now, but wow - they really should send some kind of explanation with that first payment! I was ready to march down to the SSA office thinking they made a huge mistake. Thank you everyone for sharing your experiences - it's such a relief to know this is normal and my next payment should be much closer to what I'm expecting.

This thread has been incredibly helpful for understanding IRMAA planning strategies! I'm 61 and my husband is 66, and we're in a very similar situation. He's still working and won't retire until late 2025, so we're also looking at the 2-year delay strategy. One thing I wanted to add that might help others - we discovered that even Required Minimum Distributions from inherited IRAs count toward your MAGI for IRMAA purposes. My husband inherited a traditional IRA from his father last year, and those RMDs are going to be part of our income calculation going forward. It's something that's easy to overlook when you're doing the math on regular retirement account withdrawals. Also, for anyone considering this approach - make sure to check if your employer offers any post-retirement health insurance options that could bridge the gap before Medicare. We found that my husband's company offers COBRA-like coverage for retirees that's actually pretty reasonable, which gives us more flexibility in our timing. The planning complexity around Social Security and Medicare coordination is mind-boggling, but threads like this make it so much clearer. Thanks to everyone for sharing their experiences!

I'm new to this community but wanted to share my perspective as someone currently going through a very similar situation. My husband is 68 and still working, while I'm 65 and already receiving Social Security. We're getting hit with about $350/month in IRMAA charges right now, and it's been a real eye-opener! Your strategy to delay until 2027 sounds very well thought out. We wish we had planned ahead like you're doing. One thing I learned the hard way is that even small amounts of dividend income or interest can push you over the IRMAA thresholds, so make sure you're accounting for ALL income sources, not just wages and retirement withdrawals. Also, consider whether you'll need to do any major home repairs or medical procedures during those gap years that might require larger-than-expected withdrawals from retirement accounts. We had to replace our roof in 2023 and that unexpected withdrawal contributed to our current IRMAA situation. The math definitely seems to favor waiting in your case, especially with the delayed retirement credits. Just make sure you have a solid emergency fund so you don't have to make unplanned withdrawals that could mess up your carefully calculated income projections. Good luck with your strategy!

As someone who's been researching this exact scenario for my own future retirement, I wanted to thank everyone for sharing such detailed real-world experiences! This thread has been more helpful than anything I've found on official SSA resources. One additional resource I discovered that might be helpful - the American Citizens Services unit at US embassies often hosts informational sessions for American expats on topics like Social Security, Medicare, and tax obligations. The US Embassy in Lisbon apparently holds these sessions quarterly. It might be worth checking their website or calling to see when the next session is scheduled if you're serious about making this move. Also, for those mentioning the complexity of coordinating the move, I found a checklist on the State Department's website specifically for Americans planning to retire abroad that covers everything from notifying SSA to handling voter registration. It's under their "Services for US Citizens Abroad" section. The consistency of everyone's positive experiences with continuing Social Security benefits in Portugal is really encouraging. It sounds like as long as you follow the proper notification procedures and keep up with the annual questionnaires, it's actually pretty straightforward. Portugal seems like it really has positioned itself well for American retirees!

I just wanted to add my perspective as someone who made this exact move to Portugal 18 months ago while receiving Social Security retirement benefits. Everything people have shared here is spot-on, but I'll add a few practical details that might help. First, the notification process with SSA was surprisingly smooth. I called that international number someone mentioned (410-965-0160) about 3 months before my move, and they walked me through everything over the phone. They sent me Form SSA-21 to complete and return, and that was it. My benefits continued without interruption. Regarding banking, I kept my US accounts (Chase and Fidelity) and they work perfectly here. Chase reimburses international ATM fees, and Fidelity has excellent customer service for overseas clients. I tried setting up a Portuguese bank account remotely before moving but found it easier to do in person once I arrived. For the NHR program that @Nadia Zaldivar mentioned - it's absolutely worth it! You apply through Portuguese tax authorities after becoming a resident. For the first 10 years, US Social Security benefits are taxed at a flat 10% rate in Portugal instead of regular Portuguese income tax rates, and you get credit for this on your US taxes to avoid double taxation. One tip: download the MySocialSecurity app before you move. It makes managing everything from overseas much easier than trying to access the website, which sometimes has issues with foreign IP addresses. Portugal has exceeded all my expectations for retirement. The healthcare system is excellent, people are incredibly welcoming to American retirees, and your Social Security dollars go much further here than they would in most parts of the US.

I'm so sorry you're dealing with this exhausting process on top of managing such a complex medical condition. Cystinuria requiring 4-5 surgeries annually is absolutely debilitating - the unpredictability alone would make it nearly impossible to maintain steady employment. Based on everything you've shared and the great advice from others here, I'd definitely prioritize the CDB application under your mother's record. Since you were diagnosed at 13 with a genetic condition and your mom has been on SSDI since 2007, this seems like your strongest path forward. A couple of additional thoughts that might help: 1. **When documenting your condition**, emphasize the unpredictable nature - employers need reliability, and when you never know when you'll need emergency surgery, that's a huge barrier to employment that SSA should understand. 2. **For your stalled case**, 13 months at Step 3 suggests they might be waiting for additional medical evidence or there could be a clerical issue. Definitely try the in-person visit to your local office. 3. **Consider keeping a symptom diary** going forward - documenting pain levels, ER visits, work days missed, etc. This can be powerful evidence of how your condition actually impacts daily functioning. The financial stress while waiting is awful, and your partner burning out as sole provider adds another layer of difficulty. You're dealing with so much, and you absolutely deserve support through this system you've been paying into. Don't give up - your claim is legitimate and you will get through this process.

I'm so sorry you're going through this incredibly frustrating situation. Your case highlights everything wrong with how the disability system treats people with legitimate conditions - making you wait over a year while dealing with constant medical emergencies is just cruel. From reading all the excellent advice here, it sounds like everyone is pointing you toward the same strategy: pursue the CDB application under your mother's record immediately while also pushing for answers on your stalled SSI case. Having a genetic condition diagnosed at 13 with such extensive ongoing medical needs should absolutely qualify you for CDB. One thing I'd add that I haven't seen mentioned - when you do get that updated medical documentation focused on functional limitations, make sure your doctors also document the cognitive impact of chronic pain and frequent medications. Many people don't realize that pain conditions also affect concentration, memory, and decision-making abilities, which are crucial for most jobs. Also, the fact that you've been managing this condition for over 20 years shows incredible strength. Don't let the bureaucratic nightmare make you doubt the legitimacy of your needs. A condition requiring 4-5 surgeries per year plus constant ER visits is absolutely disabling, regardless of what some uninformed people might say. Keep fighting - you've got a whole community here rooting for you and providing practical advice. You will get through this process!