Social Security Administration

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Ask the community...

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what about the max family benefit thing? isn't there a limit on how much one family can get from one worker's record? might be something to check into

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Good point about the Family Maximum Benefit! This caps the total amount that can be paid on one worker's earnings record. It typically ranges from 150% to 180% of the deceased worker's benefit amount. In this case, since it sounds like only the son is currently receiving benefits on the father's record, they're probably well under the family maximum. If the mother were to eventually qualify for widow's benefits (if her current marriage ends), then the family maximum might come into play.

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I'm a case worker at a disability advocacy organization, and I see families in your situation frequently. A few additional points that might help: 1. **Documentation is everything** - Start gathering comprehensive medical records NOW, including any IEPs or 504 plans from school, therapy records, and psychiatric evaluations. The more complete your file, the smoother the process. 2. **Consider getting a disability attorney consultation** - Many work on contingency (they only get paid if you win), and they can help navigate the appeals process if needed. For DAC cases, they're often worth it given the complexity. 3. **Timeline is critical** - As others mentioned, apply 3-4 months before his 18th birthday. But also be aware that if there's ANY gap in benefits, it can create complications. The goal is seamless transition from childhood survivor benefits to DAC benefits. 4. **Work activity matters** - Your son CAN work part-time while on DAC benefits, but keep detailed records of hours and earnings. The SGA limit for 2025 is $1,550/month, but there are work incentives that allow him to earn more in some situations. 5. **College accommodations help your case** - If he needs disability services at college, that documentation actually SUPPORTS his disability claim rather than hurting it. The system is frustrating, but don't give up! Most families eventually get approved with persistence.

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This is incredibly helpful information! As someone new to navigating disability benefits, I'm wondering - when you mention getting a disability attorney consultation, at what point should families typically reach out? Should we wait to see if the initial application gets denied, or is it worth consulting with one before even applying for DAC benefits? Also, do these attorneys typically handle both the SSA disability determination AND any potential appeals, or do you need different specialists for different parts of the process?

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I'm also navigating this transition with my daughter who has autism and will be 18 soon. Reading through everyone's experiences has been incredibly helpful! I wanted to add that when I spoke with our disability advocate last month, she mentioned that it's really important to emphasize the *functional limitations* rather than just the diagnoses when filling out the forms. For autism specifically, they want to see how it impacts her ability to work, interact socially, handle changes in routine, manage personal care, etc. Even if your daughter seems "high functioning" in some areas, document everything she struggles with - executive functioning issues, sensory processing problems, difficulty with transitions, need for prompting or supervision. Also, if she's ever had any work experiences (like supported employment or volunteer work), make sure to document what accommodations or supports were needed. This can actually strengthen the case by showing she tried to work but needed significant assistance. The whole process is overwhelming but this community has given me so much confidence that we can get through it. Sending support to all the families dealing with this transition!

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This is such valuable advice about focusing on functional limitations! I think I've been too focused on her diagnoses rather than how they actually affect her daily life and ability to be independent. You're right that documenting everything she struggles with is crucial - even things that might seem minor can add up to show she needs ongoing support. I'm going to start making detailed notes about her executive functioning challenges and how much prompting she needs for routine tasks. It's really reassuring to connect with other families going through the exact same transition. Thank you for sharing these insights!

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I'm a case worker who helps families navigate SSA transitions, and I want to emphasize something crucial that others have touched on but bears repeating: the medical evidence requirements for DAC benefits are often more stringent than what was needed for childhood SSI. Even though your daughter previously qualified for SSI, SSA will evaluate her under adult disability standards when she turns 18. This means they'll assess whether her conditions prevent her from performing "substantial gainful activity" - essentially any work that pays more than about $1,470/month in 2024. For autism spectrum disorder, they'll specifically look at: - Social interaction deficits that would interfere with workplace relationships - Communication limitations affecting job performance - Repetitive behaviors or fixated interests that impact work ability - Difficulties with change/transitions that workplace demands would create I'd strongly recommend getting a comprehensive neuropsychological evaluation if you haven't had one recently. These evaluations provide detailed functional assessments that SSA finds very helpful. Also, if she's had any vocational assessments or work trials through school, include those results as they demonstrate real-world work limitations. The good news is that with proper documentation and early application, most families I work with successfully transition to DAC benefits. You're doing everything right by starting this process now!

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Update: I took everyone's advice and carefully reviewed my earnings record year by year. Everything looks correct - all my factory jobs are showing the right earnings with SS taxes paid. I'm still planning to call SSA about removing that warning message, but I feel much better knowing my actual work history is correctly recorded. Thanks for all the helpful information!

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Glad to hear your earnings record is accurate! One additional tip: when you do speak with SSA, ask them to add a note to your file confirming you have no non-covered employment. This can be helpful when you eventually apply for benefits, as it creates documentation that the WEP/GPO warning was investigated and determined to be incorrect. It may save you some headaches down the road.

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I'm dealing with something similar right now! I've been working in private sector IT for 15 years and suddenly saw the WEP/GPO warning appear in my account last week. Like you, I've never worked any government or non-covered jobs. It's reassuring to see from the other comments that this seems to be a widespread system glitch. I checked my earnings record and everything looks correct with all my SS contributions properly recorded. Still planning to call them when I can get through, but at least now I know I'm not alone in this situation. Thanks for posting about it!

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Welcome to the club! It's definitely frustrating to see that warning pop up when you know it doesn't apply to you. Based on what others have shared here, it sounds like this system glitch is affecting a lot of people since the January software update. Since your earnings record shows all your SS contributions correctly, you should be in good shape. When you do call SSA, you might want to mention that this seems to be a known issue - it could help them resolve it faster. Hope you have better luck getting through to them than some folks here have had!

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Just wanted to add my experience - I'm a retired postal worker and got hit with the same scam email about 2 weeks ago. What really bothered me was how detailed it was - they knew I was affected by WEP and even mentioned my approximate benefit reduction amount. I called SSA directly (waited 3 hours but finally got through) and the agent confirmed it was a scam. She said they've had a huge uptick in these targeted phishing attempts against public service retirees in the last few months. The scammers are definitely doing their homework to make these emails look legitimate. The agent also told me that when ANY major legislation affecting WEP/GPO passes, SSA will send multiple official paper notices by mail before any changes take effect. They would never rely on email for something this significant. Stay vigilant everyone!

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This is really helpful information - thank you for sharing your experience and for actually calling SSA to verify! It's scary how much detail these scammers have about our situations. I'm definitely going to be more careful about any emails claiming to be from SSA, especially ones that seem to know specific details about my benefits. The 3-hour wait time you mentioned is exactly why these scams work so well - we're all desperate to avoid those endless hold times!

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Wow, thank you everyone for the quick responses - I feel so much better knowing this was a scam! I was getting my hopes up that the Fairness Act had finally passed. I've already forwarded the email to oig.dsc@ssa.gov and changed my MySocialSecurity password as recommended. It's really disturbing how these scammers are specifically targeting us public service retirees who are already struggling with WEP/GPO reductions. They clearly know exactly what buttons to push to get our attention. I'm going to warn my former colleagues at the school district about this scam since they're probably being targeted too. Does anyone know if there are any legitimate updates we can sign up for to track the actual progress of the Social Security Fairness Act? I'd love to stay informed without falling for more scams like this.

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For tracking legitimate updates on the Social Security Fairness Act, I'd recommend checking congress.gov directly - you can search for H.R.82 and set up email alerts for any action on the bill. The National Association of Retired Federal Employees (NARFE) and other public employee organizations also send out legitimate updates when there's real movement on WEP/GPO legislation. Just be super careful about any emails that ask you to take immediate action or provide personal info - legitimate advocacy groups will never do that!

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UPDATE: I finally got through to someone at SSA! The $150 was indeed a one-time adjustment related to my earnings record from 2023. Apparently when they processed my tax return information, they found I was eligible for a slightly higher benefit for part of the year. My husband didn't get one because his benefit amount wasn't affected by the earnings update. Mystery solved! And yes, my regular payment came through on schedule too. Thanks everyone for your help!

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Great to hear you got it sorted out! That's exactly what happened with mine too. Glad it wasn't a mistake and you get to keep the money!

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Thanks for sharing the update! This is really helpful information for others who might experience the same thing. I'm dealing with a similar situation with my elderly mother's benefits - she got an unexpected payment last month and we've been trying to figure out what it was for. Based on your experience, I'll suggest she check if it might be related to her 2023 tax information. It's reassuring to know these adjustments do happen and aren't necessarily errors. Glad you were able to get through to someone at SSA - that's half the battle these days!

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Taylor To

That's so helpful that you shared this! I'm actually new to navigating all this Social Security stuff (just started receiving benefits a few months ago) and posts like this really help me understand what's normal vs. what to worry about. It sounds like these earnings-related adjustments are more common than I realized. Hopefully your mother's situation gets resolved just as smoothly - it's great that there are people in this community willing to share their experiences to help others!

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