Update: I found it! For anyone else looking, after logging in to mySocialSecurity, click on "Replacement Documents" on the left side menu, then select "Replacement SSA-1099/1042S". It lets you download a PDF immediately. So much easier than I thought!

WAIT - does everyone on Social Security get this form?? I get SSDI (disability) not retirement and I don't remember seeing any tax form! Am I supposed to be reporting this on my taxes?? I haven't filed in years because I thought disability wasn't taxable!

Thank you all for the helpful responses. I'll check my mySocialSecurity account in mid-January, and if it's not there, I'll watch for the mailed form in early February. I'm definitely concerned about the tax implications now - I had no idea so much of my Social Security could be taxable! I'll look into filing that W-4V form to have taxes withheld going forward. This has been very educational!

Just wanted to add my experience as someone who went through this transition a few years ago. The SSA-1099 form is pretty straightforward - it shows your total benefits received and any federal taxes that were withheld (if you had any). The form itself is only one page, so it's easy to read. One thing that caught me off guard was realizing that Social Security benefits can push you into a higher tax bracket when combined with other income. Since you're still working part-time, I'd strongly recommend talking to a tax professional this year, especially since it's your first time dealing with both income types. They can help you figure out estimated quarterly payments for next year so you don't get hit with a big bill again. Also, keep that SSA-1099 form safe - you'll need it every year you file taxes while receiving benefits, and replacements can take weeks to get if you lose it!

One thing I haven't seen mentioned yet is that if you're currently receiving spousal benefits on your husband's record while he's alive, those would automatically convert to survivor benefits when he passes away (assuming the survivor benefit is higher). This can make the transition a bit smoother since SSA already has your information on file. Also, since you mentioned you're still working part-time, you might want to consider how your own earnings record is being affected. If you're earning credits now, it could potentially increase your own future Social Security benefit, which might factor into your claiming strategy decision. Every year you work and pay into Social Security (up to 35 years of earnings) can potentially increase your own benefit amount. It's really admirable that you're taking the time to understand all these details ahead of time. Having this knowledge will help you make informed decisions if and when the time comes.

I'm a Social Security Administration representative and want to clarify a few key points for everyone following this discussion: 1) **Multiple survivors CAN collect**: As mentioned correctly, multiple eligible survivors (current spouse, ex-spouse, children, etc.) can all receive benefits from the same deceased worker's record without reducing each other's amounts. 2) **Ex-spouse eligibility requirements**: The ex-spouse must have been married to the deceased for at least 10 years AND generally must be unmarried (or remarried after age 60) to qualify for survivor benefits. 3) **Benefit amounts**: Current spouses receive 100% of the deceased's benefit if claimed at Full Retirement Age. Ex-spouses also receive 100% if they meet all requirements and claim at their FRA. 4) **Important reminder**: You cannot receive both your own retirement benefit AND survivor benefit simultaneously - SSA pays the higher of the two amounts. For personalized advice about your specific situation, I recommend scheduling an appointment with your local SSA office or calling our national number at 1-800-772-1213. Every situation is unique, and we can provide guidance tailored to your circumstances. My thoughts are with you during this difficult time of planning and uncertainty about your husband's health.

I'm in a somewhat similar situation - currently receiving SSDI and considering remarriage in the future. Reading through all these responses has been really helpful! A few additional thoughts based on what I've learned: 1. Definitely get everything in writing from SSA - as others mentioned, verbal information can be inconsistent 2. Consider consulting with a benefits attorney who specializes in Social Security if the amounts involved are substantial 3. The timing strategy mentioned about waiting until FRA for widow benefits is really important - that reduction from 100% to 71.5% at age 60 is significant One question I haven't seen addressed: Are there any tax implications to consider when switching from SSDI+survivor benefits to widow-only benefits? I know SSDI has different tax rules than regular Social Security retirement benefits. Congratulations on your engagement! It sounds like you're being very thoughtful about planning ahead, which is smart. The peace of mind from getting official answers will be worth the effort of dealing with SSA's phone system.

This is such a complex situation, and I'm glad you're thinking through all the scenarios before your wedding! One thing I wanted to add that might be helpful - when you do contact SSA, ask them to walk through a "what if" scenario where you lose SSDI eligibility at different points (say, 6 months after marriage vs 2 years after marriage). The timing of when you might lose SSDI could affect your strategy for claiming widow benefits. Also, since you mentioned your medical condition might improve, have you considered whether there's any voluntary work activity you could do that might trigger a work review? Sometimes people don't realize that even small amounts of work can prompt SSA to reevaluate your disability status. Just something to keep in mind as you plan your future together. The fact that you're asking these questions now shows you're being really responsible about your financial planning. Best of luck with both the wedding and getting solid answers from SSA!

I think ur overthinking this tbh. as long as ur daughters checks keep coming its fine

I understand your concern about the genetic carrier status! As someone who's dealt with similar genetic testing situations, I can share that being a Fragile X carrier typically doesn't meet SSA's disability criteria unless there are actual functional impairments. Many carriers of genetic conditions live completely normal lives without any symptoms that would affect their ability to work. SSA's disability determination is based on whether someone can perform "substantial gainful activity" - if your husband is working and functioning normally, the carrier status alone wouldn't qualify him as disabled under their definitions. The labeling on your daughter's paperwork was most likely either a clerical error or an internal coding issue related to family medical history tracking. You were right to correct it initially. If you're still concerned, a quick follow-up call to clarify the genetic carrier distinction might give you peace of mind, but it shouldn't impact your daughter's benefits since her own disability determination is separate from household member classifications.