Regarding your survivor benefits interview, make sure you understand the rules about the earnings limit if you're still working. For 2025, if you're under Full Retirement Age and earn more than $22,300, they'll deduct $1 from benefits for every $2 you earn above that limit. Also, are you aware that you can apply for survivor benefits online now? They've recently expanded their online services. Might be easier than the phone interview process. And good job being kind to the representative! As someone who worked in government services for years, I can tell you that a little kindness goes a long way when staff are overwhelmed.

This is such helpful information! I've been putting off calling about my late mother's benefits because I kept hearing horror stories about the phone system. The "speak to a live person" phrase is gold - I'm writing that down. One thing I wanted to add for others reading this: if you're dealing with survivor benefits and have any VA benefits involved (like if your spouse was a veteran), make sure to mention that during your SSA interview. There can be some coordination between the two systems that affects your payments, and it's better to get it sorted out upfront rather than dealing with overpayments later. Also, Maya, don't stress too much about having every single document perfect for your interview. The agents are usually pretty understanding about what you can and can't get quickly, especially death certificates since those can take forever from some offices. Good luck with your December 9th appointment!

my wife filed dec 5 for jan benefits and got aproved jan 23 so like 7 weeks. but her sister filed same day and still waiting now. ssme office even. makes no sense how random it is

Update: I finally got through to SSA today after trying at exactly 8:00am! The agent said my application had a flag because I had worked in another state for a few years and they were waiting on wage verification. She removed the flag since it had been pending too long and said my benefits should be processed within 5-7 business days. She also confirmed I'll receive backpay for January and February. Thank you all for your advice and sharing your experiences!

I'm so sorry for your loss, Khalid. Losing a parent is incredibly difficult, and having to figure out Social Security benefits during such an emotional time adds extra stress. Everyone here has given you excellent advice about the payment timing - you should receive the November 23rd payment since it's actually for October when your mother was alive the entire month. Social Security pays in arrears, so each payment is for the previous month. One additional tip I'd share is to keep detailed records of all your interactions with SSA - dates you called, who you spoke with, reference numbers if they give you any. This can be really helpful if there are any complications later. Also, when you do get through to report the death, ask them to send you written confirmation that the death has been reported and processed in their system. The phone system is notoriously difficult, but don't give up. Many people have success calling right when they open at 8 AM or during lunch hours when call volume might be lighter. If all else fails, the in-person visit is definitely worth trying. Take care of yourself during this difficult time - you're handling a lot right now.

I'm so sorry for your loss, Khalid. Losing a parent is never easy, and dealing with government agencies during grief can feel overwhelming. The community here has given you really solid advice - you should indeed receive the November 23rd payment since Social Security pays in arrears, meaning that payment is actually for October when your mother was alive the entire month. I went through something similar when my grandmother passed away two years ago. One thing that helped me was preparing a simple script before calling SSA - having her Social Security number, date of death, and funeral home information written down made the conversation smoother when I finally got through. Also, if you have any siblings or other family members who might also try to report the death, make sure to coordinate so multiple people aren't calling about the same case. The advice about calling early morning or during lunch hours is spot on - I had success around 1:30 PM when I called. Don't be discouraged if it takes multiple attempts. You're doing everything right by seeking information and planning to report this promptly. Take care of yourself during this difficult time.

The WORST part is how they apply these rules so INCONSISTENTLY!! My friend and I both worked for the same school district and have similar situations but got COMPLETELY different answers from SSA about our spousal benefits!!! It's like they're making it up as they go along sometimes!! 😡

Thank you all for the helpful responses! I've scheduled an appointment with SSA for next month, right after I reach my FRA. I'm gathering all my pension documentation and work history records like suggested. I'll make sure to specifically ask about how both WEP and GPO apply in my situation with the new law changes. I'm hopeful I might get a bit more in benefits, even if it's not the full 50% of my husband's PIA. Every bit helps with groceries getting so expensive lately! Wish me luck navigating the SSA bureaucracy! I'll update here after my appointment in case it helps anyone else in a similar situation.

You should really consider the whole financial picture. In my case, when my wife went back to work, we lost her SS benefit BUT: 1. She got health insurance through her employer which saved us $580/month 2. She started contributing to a 401k again 3. Her take-home pay was way more than the SS benefit Just some things to think about beyond just the SS payment itself.

I went through something very similar when my husband started collecting early retirement. The key thing to understand is that Social Security has something called the "family maximum benefit" which caps the total amount your family can receive based on the primary worker's earnings record. In your case, it sounds like you're already at or very close to that maximum ($2,170 for you + $756 each for wife and two kids = $4,438 total). When your wife stops her benefit to return to work, that $756 doesn't get redistributed to your children - it essentially just disappears from your family's total SS income. However, don't let that discourage you! When my husband and I ran the numbers, her returning to work was still financially beneficial because: - Her salary exceeded what she was getting from SS - We got employer health benefits - She could start building her own SS credits again for higher future benefits I'd recommend calling SSA directly to confirm your exact family maximum and get official guidance. Every situation is a bit different based on your specific earnings history.