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Social Security payment suddenly missing after phone change - locked out of my account!
Has anyone else had their SS retirement benefits just vanish from their bank account? My May payment didn't arrive but my husband's did (we always get paid on the same day). This feels like déjà vu from when I initially filed for retirement back in 2022—my application got stuck in digital limbo for almost 4 months between offices until someone at my local SSA office had to basically threaten another office to process it. The timing is suspicious because I recently changed my cell phone number and didn't update SSA (honestly didn't think about it with everything else going on). Now I'm completely locked out of my MySocialSecurity account! I followed instructions to update my login.gov account with my new phone, but SSA still won't recognize me. Meanwhile, I've received 2 emails saying I have messages in my SSA portal that I CAN'T ACCESS. I'm not working anymore, so this monthly check is crucial. Planning to call my local office tomorrow, but I'm dreading another bureaucratic nightmare. Anyone dealt with something similar or have advice before I spend hours on the phone?
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Carmen Ruiz
I want to add one more important note: make sure you're aware that as a widow, you have options regarding when to claim survivor benefits. Since your own benefit is higher right now, you might want to delay claiming survivor benefits until they would be worth more than your current benefit (potentially at your husband's FRA amount plus any delayed retirement credits). The undisbursed benefits form (SSA-1724-F4) is separate from this decision, but many people don't realize they have strategic options with survivor benefits even when their own benefit is currently higher.
Ethan Brown
•That's really helpful to know! The claims representative did mention something about this during my interview but didn't go into detail. I'll make sure to ask more questions about optimizing when I should switch to survivor benefits.
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Nia Davis
I've been trying to reach SSA for weeks about my own survivor benefits question, and it's been IMPOSSIBLE. I finally used a service called Claimyr (claimyr.com) that got me through to a real person at SSA in under 10 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Saved me hours of redial hell. The agent confirmed that survivor benefits follow YOUR birth date for payment scheduling, not your spouse's.
I can confirm this is correct information. As a financial planner who works with many widowed clients, I always advise them that survivor benefits follow the recipient's birth date for payment scheduling. This is true regardless of when the deceased spouse received their benefits. The Social Security Administration treats it as your benefit (based on your spouse's earnings record) once you start receiving it, so all aspects of payment - including deposit date - follow your information.
Diego Vargas
I just wanted to update everyone - my application was approved! It took about 5 weeks from application to approval. And yes, they are scheduling my payments based on MY birth date (4th Wednesday). I got a letter in the mail with all the details. The first payment included some back pay to the application date. Thanks everyone for your help!
NeonNinja
•Congrats! So happy for you. One thing to keep in mind - if you ever go back to work while receiving these early survivor benefits, make sure you understand the earnings limit. I got hit with an overpayment notice because I earned too much part-time income and nobody warned me about it!
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Amara Torres
Thanks everyone for the helpful information! I'll definitely check my earnings record and make sure all my substantial earnings years are counted correctly. I did have some summer jobs and a few years of part-time work while teaching that might help. I'll also request the detailed WEP calculation and see if there are any errors. It's still frustrating to lose so much of my Social Security after paying into it for years, but at least I understand the rules better now.
anyone know if WEP applies if you switch to disability??? my teacher friend got SSDI and thinks she avoided WEP somehow?
Evelyn Xu
•WEP does apply to SSDI (Social Security Disability Insurance) just like it applies to retirement benefits. However, there's a disability freeze provision that sometimes results in a different calculation. Also, if someone receives a disability pension from teaching instead of a regular pension, different rules might apply. Your friend should double-check her specific situation with SSA.
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CyberSamurai
wait so is ur daughter getting SSI or survivor benefits? or r u getting benefits for her? its different depending on which one
She gets survivor benefits from her dad who passed away. I'm her rep payee since she's under 18.
Andre Dubois
Since you're dealing with survivor benefits, just to clarify: when you go to My Social Security online, you should be logged in under YOUR account (as the representative payee), then navigate to the "Direct Deposit" section. There, you'll see separate entries for beneficiaries you manage. Make sure you're selecting the entry for your daughter's benefits when making the change. This way, there's no chance of affecting your own direct deposit information.
Thank you so much! I just checked and you're right - I can see separate entries. That makes it much clearer.
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Does anyone know if they send you a warning before they start taking money back? My husband got overpaid last year because they didn't process his earnings information correctly and we just got a surprise letter saying we owe $4700 back!!! No warning at all. Now we're fighting with them about a payment plan.
Mae Bennett
•They're supposed to send you a notice before adjusting benefits, but sometimes the notices arrive after they've already started the adjustment. If you're concerned about a potential overpayment, you can proactively contact them to report earnings and request that they adjust benefits accordingly. For the existing overpayment, definitely request a formal payment plan - they can set up very reasonable terms if you explain your situation.
Demi Lagos
I think you're focusing on the wrong thing here. The real issue isn't just May - it's that your husband is claiming before his FRA which is permanently reducing his benefit amount. At 66 in 2025, he's about 10 months early (assuming born in 1959). That's roughly a 5.56% permanent reduction in benefits. If his benefit is $2,500, that's $139/month FOREVER. Has he considered working until his FRA to get the full benefit amount?
Pedro Sawyer
•We've actually done quite a bit of calculation on this. With his health history and family longevity, the break-even point would be around age 82. We decided the earlier benefits made more sense for our specific situation, even with the reduction. But that's a good point that others reading should definitely consider!
Social Security spousal benefits after remarriage at 69 - how long until eligible for top-up from higher-earning husband?
I'm trying to help my mother figure out a complicated Social Security situation. She's 69 and started collecting her own SS retirement benefits at her full retirement age (66). She's considering remarrying soon to her boyfriend who's 62 and already taking his SS benefits (he started early). His earnings record is MUCH higher than hers, so we're wondering about spousal benefits.My questions are:1. How long would they need to be married before she could apply for the spousal top-up?2. Since he started his benefits early at 62, would that reduce any spousal benefit she might get?3. Does her age (69) affect the spousal calculation or just his?She was previously married for 25 years, but her ex-husband was a government employee with a pension instead of SS, so she couldn't get spousal benefits from him. This new marriage could really help her financially if she qualifies for a spousal top-up. Any insights would be appreciated!
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totally agree! my parents actually decided NOT to get married because my mom would lose benefits from her first husband. they've been together 15 yrs but can't marry because of SS rules. crazy system!
Thank you all for the helpful responses! I've learned a lot and will definitely have mom check with SSA directly before they make any decisions. It sounds like the one-year marriage requirement is standard, but we need to carefully calculate whether she'd actually get any spousal top-up based on the 50% of his PIA versus her own benefit.I appreciate the suggestion about Claimyr too - getting through to SSA on the phone has been impossible lately, so that might be worth trying.I'll update after we talk to SSA and get the specific numbers for her situation. Thanks again for all the insights!
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StarStrider
Update: I managed to get through to someone at SSA this morning! Used that Claimyr service someone mentioned and it worked great. The agent confirmed they were using my 2023 earnings to estimate 2024, but I was able to explain my reduced hours. They're sending me the SSA-795 form to complete and said they'll adjust my benefits for June. They also said I'll get back the excess they've already withheld once they process my paperwork. Thank you all for the helpful advice!
Excellent! Make sure to keep copies of everything you submit and get the name of the representative who helps you. If possible, ask for a receipt or confirmation number for your submission. This will make follow-up much easier if needed. Glad you're getting it resolved!
awesome! glad the service worked for you too
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Update: Mystery solved! I finally got through to SSA this morning. The payment is a Medicare Part B premium adjustment refund due to the lower-than-projected Medicare premium increase for 2025. Apparently they're sending these to everyone on Medicare over the next few weeks. The agent said I should have received a letter about it but it probably hasn't arrived yet. Just wanted to update in case anyone else was wondering!
Thanks for updating! This makes perfect sense. The Medicare Part B premium for 2025 was initially projected higher, so they collected higher premiums for January. Now that the actual rate was set lower, they're refunding the difference. Good to know they're processing these for everyone.
oh that explains why mine was different from yours. i dont have medicare part B yet just retirement.
Leila Haddad
I didn't get any extra deposit!! Why are some people getting these and not others? I'm on SS disability and Medicare! Should I be calling to ask where MY adjustment is??
The Medicare Part B adjustments are being sent out in batches over several weeks, so yours might still be coming. However, not everyone will receive an adjustment - it depends on your specific situation and when you enrolled in Medicare. If you don't receive anything in the next 3-4 weeks, then it might be worth calling to inquire. Remember that SSDI and retirement benefits can have different processing schedules too.
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LunarEclipse
Thank you all for the helpful responses! I've learned so much. One last question - does anyone know if I need to do anything special when my husband's SSDI converts to retirement benefits next year? Will that change affect potential survivor benefits in any way?
No action needed when SSDI converts to retirement - it happens automatically and the payment amount stays exactly the same. There's no impact on future survivor benefits. The only thing I'd recommend is that both of you create My Social Security accounts online if you haven't already, so you can see your benefit amounts and estimates. Makes planning much easier.
Amina Toure
THIS IS WHY I HATE THE SSA!!! Why is everything so confusing!? Why can't they just make it simple! My uncle lost out on thousands because no one told him he had to APPLY for survivor benefits when my aunt died! They should automatically give you the higher amount!
Oliver Weber
•It is frustrating! When I was helping my sister with survivor benefits, we couldn't get clear answers until we finally got through to an actual SSA representative. After three days of trying, I used Claimyr (claimyr.com) to get connected quickly instead of waiting on hold for hours. Sometimes you just need to talk to a real person at SSA who can look at your specific situation.
Laila Prince
Did you check that your direct deposit info is still correct? Sometimes banks update routing numbers or there are mergers that mess everything up... don't ask me how I know this 😣
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Drew Hathaway
•That's a good point! I did switch from Wells Fargo to a local credit union a couple months ago, but I thought I had updated everything properly. Maybe something got lost in the system.
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Isabel Vega
Quick update based on what others have shared: There IS currently a processing issue affecting some direct deposits this month, per the SSA operations notice released yesterday. However, account lockouts due to phone number changes are a separate issue. When you speak with SSA, ask specifically about both: 1. The May 2025 direct deposit processing delay (reference notice AM-25411) 2. Your account access issue related to phone number change These will likely need to be handled by different departments, so be prepared to possibly speak with more than one person. If they try to only address one issue, politely insist on resolving both before ending the call.
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Drew Hathaway
•This is incredibly helpful information! I'll definitely reference that notice number. I'm feeling much better prepared for tomorrow's call now. Thank you so much for the specific advice.
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