Just want to echo what everyone else has said - you're golden once you hit FRA! I'm 69 and have been collecting SS while working part-time ($35k/year) for the past two years with zero issues. The key thing that helped me was getting everything set up properly from the start. When I applied, I made sure to explicitly tell them I was planning to continue working and provided my expected annual earnings. This seemed to prevent any system glitches or automated holds on my benefits. One thing I'd suggest is keeping good records of your earnings throughout the year - not because SSA will reduce your benefits (they won't!), but because it helps with tax planning. With your $86k salary plus SS benefits, you'll definitely want to consider quarterly estimated tax payments to avoid a big bill at tax time. The "good problem to have" of managing two income streams! Best of luck with your application process.

As someone who just went through this exact situation last year, I can definitely confirm what everyone is saying! I turned 67 (my FRA) in September and have been collecting full Social Security benefits while continuing to work full-time making about $92k annually. Zero reductions in my monthly SS payments - I get every penny I'm entitled to. The only "gotcha" is definitely the taxes as others mentioned. Between my salary and SS benefits, I'm paying taxes on 85% of my Social Security, which was a bit of a shock at first. I ended up having to adjust my W-4 withholding at work to account for the additional taxable income from SS benefits. One tip that really helped me: I used the IRS withholding calculator online to figure out exactly how much extra to withhold from my paycheck to cover the SS taxes. It's much easier than dealing with quarterly payments! The peace of mind of having both income streams has been incredible though - highly recommend taking this approach if you can afford the tax hit.

To summarize what others have said: 1. Yes, he can apply entirely online at ssa.gov for straightforward retirement benefits 2. The system will let him request a callback if he has questions during the application 3. Payments will be backdated to his eligibility date (February 1) regardless of when the application is processed 4. The 6-month retroactive payment rule only applies if you're applying AFTER FRA, not at FRA 5. Online applications typically process within 4-6 weeks I recommend applying online at least 3 months before his FRA date (so right now) to ensure timely processing. While technically you can apply up to 4 months before eligibility, applying now gives plenty of time for SSA to process everything.

Just went through this exact process with my mom last month! She was also super nervous about messing something up. The online application at ssa.gov really is straightforward - it walks you through everything step by step and even saves your progress if you need to take a break. One thing I'd add that nobody mentioned: make sure you have all his documents ready before starting - birth certificate, W-2s from last year, bank account info for direct deposit, etc. The application will tell you exactly what you need, but having everything handy makes it go much smoother. Also, don't stress too much about the timing. Even if there are processing delays, SSA is pretty good about getting the retroactive payments right. My mom's first check included backpay for the months she was waiting, just like others have said. Good luck with the application! You've got this!

Jasmine, my heart goes out to you for experiencing such profound losses. Navigating Social Security rules while grieving is incredibly challenging, and I commend you for planning ahead despite everything you've been through. The community has provided excellent guidance about the 9-month marriage requirement likely excluding your second husband's record. What I'd like to add is the importance of timing your application strategically. Since you're 58 now, you have a 2-year window to really think through this decision. Consider creating a timeline with key decision points: at 60 (earliest survivor benefit eligibility), at your full retirement age (full survivor benefits), and at 70 (maximum delayed retirement credits on your own record). Map out the monthly benefit amounts for each scenario so you can see how the numbers work over time. Also, don't underestimate the value of continuing to work part-time if possible. Those additional earnings years could meaningfully increase your own Social Security benefit calculation, especially if your recent earnings are higher than some of your earlier working years. One last thought: if you do decide to take survivor benefits at 60, you can still change your mind later and switch to your own benefits if they become more advantageous. Social Security rules allow for this flexibility in certain situations, which gives you some protection against making the "wrong" choice now. Take your time with this decision - you don't have to figure it all out immediately.

Jasmine, I'm so sorry for your tremendous losses. Losing two husbands in such a short timeframe must be incredibly overwhelming, both emotionally and practically. The community has given you excellent guidance about the 9-month marriage rule likely preventing survivor benefits from your second husband's record. I wanted to add one practical consideration that might help with your planning: when you do contact SSA (whether through the Claimyr service or directly), consider asking for a written summary of your eligibility determination and benefit estimates. Having documentation in writing can be really helpful for a few reasons: it gives you something concrete to review when making your decision, you can share it with a financial advisor if you choose to consult one, and it creates a paper trail if there are any questions about your eligibility later. Also, since you mentioned your second husband had significantly higher earnings, you might want to confirm with SSA whether any portion of his earnings record could factor into your own Social Security calculation if you worked during that marriage (even briefly). While survivor benefits may not be available, there could be other ways his higher earnings period might have impacted your record. The strategies others have outlined about taking survivor benefits at 60 while letting your own benefits grow are solid approaches. Just make sure you understand the earnings test limitations if you plan to continue working, as that could affect your monthly benefit amount. You're being very smart to plan ahead while you have time to make informed decisions. Take care of yourself through this difficult process.

As a newcomer to this community, I want to thank everyone for this incredibly detailed discussion! I'm in a somewhat similar situation - approaching retirement with gaps in my work history due to raising children and caring for aging parents. Reading through all these responses has really highlighted how complex Social Security planning can be, especially for those of us who don't have traditional full-time work histories. A few key takeaways that really stood out to me: 1. The importance of understanding that spousal benefit calculations are based on the higher-earning spouse's PIA, not their actual reduced benefit if they file early 2. The strategic consideration around survivor benefits - having the higher earner delay filing can protect the surviving spouse's future income 3. The "deemed filing" rule Christopher mentioned - I had no idea you can't choose between your own benefit and spousal benefits when filing before FRA One question I have for the group: For those who have actually gone through this process, how far in advance did you start planning your filing strategy? I'm feeling a bit overwhelmed by all the variables to consider (timing, reductions, survivor benefits, etc.) and wondering if there's a "sweet spot" for when to start seriously mapping out these decisions. Also, has anyone here used the SSA's online benefit calculators, and if so, how accurate did they prove to be compared to what you actually received?

As a newcomer to this community, I wanted to share some additional resources that might help others navigate these complex Social Security decisions. I'm also approaching retirement with an incomplete work history due to caregiving responsibilities, and after reading through this excellent discussion, I realized there are a few tools and strategies that haven't been mentioned yet: 1. **Social Security Statement Review**: Beyond just checking your credits online, it's worth reviewing your entire earnings statement for errors. I found a mistake in my record from 15 years ago that actually cost me 2 credits - the SSA was able to correct it with old tax documents. 2. **SHINES Program**: Many states have Senior Health Insurance Information Programs that also provide Social Security counseling. These counselors are trained volunteers who can help you understand your options without the long wait times of calling SSA directly. 3. **"Break-even" Analysis**: For couples trying to decide on timing, calculating the break-even point between filing early versus waiting can be really helpful. This shows you at what age the total lifetime benefits would be equal under different scenarios. 4. **Spousal Benefits During Working Years**: Something not mentioned yet - if you're still working when you become eligible for spousal benefits, the earnings test still applies and could reduce your benefits temporarily. The complexity everyone's discussing is real, but I've found that breaking it down into smaller questions (When should each spouse file? What's our survivor benefit strategy? Do we have other income sources?) makes it more manageable. Kingston's question about planning timeline is spot-on - I wish I had started this process 5 years earlier than I did!

my sister didnt apply til like 9 years after but her disability started in year 6 so they still approved her. its when the disability starts not when you apply thats what matters

I'm so sorry for your loss and the health challenges you're facing. Based on what others have shared here, it sounds like you definitely shouldn't give up! The key point everyone is making is that what matters is when your disability BEGAN, not when you apply. Since you mentioned your condition started about 5 years ago (which would be 2019-2020), that's well within the 7-year window from your husband's 2017 death. I'd suggest when you call back, be very specific and say something like: "I need to apply for disabled widow's benefits under Section 202(e) of the Social Security Act. My husband died in 2017, and my disabling condition began in [specific year/date if you know it], which is within the required 7-year period." Don't let them rush you off the phone or give you generic answers. If the first person can't help, ask to speak with someone who specializes in survivor benefits. Having your medical records ready that show when your condition started will be crucial. You've got this - keep fighting for what you're entitled to! 💪