I've been helping people navigate SSDI for years, and your situation is completely normal! You're absolutely right to expect backpay - the 5-month waiting period is unpaid, but you should receive benefits from December 2024 through March 2025 (4 months) for both your husband and daughter. A few things that might help while you wait: 1. Backpay timing varies widely - I've seen it arrive anywhere from 3-10 weeks after the first payment 2. Your daughter's auxiliary benefits will be around 50% of your husband's benefit amount 3. The payments often arrive separately, sometimes weeks apart 4. If you don't see anything by 8 weeks, definitely call SSA One tip: when the backpay does arrive, it might just show as "US TREASURY" on your bank statement without clearly identifying it as SSDI backpay, so keep an eye out for any unexpected deposits. The medical equipment expenses are tough to manage while waiting. You might want to check with local disability resource centers or even contact the equipment suppliers - some offer payment plans or temporary assistance programs while you're waiting for backpay. Hang in there - the money is coming, SSA is just notoriously slow with processing!

I've been through this exact situation with my own SSDI approval last year, and I can confirm what others have said - you won't get paid for the 5-month waiting period, but you should definitely receive backpay from December 2024 through March 2025 for both your husband and your daughter. One thing that really helped me was setting up online banking alerts for any deposits over a certain amount. That way I got notified immediately when the backpay hit my account (it came as "US TREASURY" like others mentioned). The backpay arrived about 7 weeks after my first regular payment, so you're still well within the normal timeframe. For your daughter's benefits, make sure SSA has all her documentation - sometimes they need updated school enrollment verification or other paperwork that can delay the auxiliary benefits processing. The children's benefits are usually processed separately and can take longer than the primary beneficiary's backpay. Also, if you're struggling with medical equipment costs while waiting, many suppliers will work with you if you can show proof of your SSDI approval. I was able to get a payment plan for a wheelchair by showing my approval letter, even before the backpay arrived. Don't be afraid to ask - the worst they can say is no, but many understand the SSDI payment delays and are willing to help. The waiting is absolutely the worst part of this whole process, but based on your timeline, you should see that backpay very soon!

I'm in a similar situation with my spouse on SSDI, so I've been researching this extensively. One thing I wanted to add that might be helpful - even though you can't use the old "file and suspend" or "restricted application" strategies anymore due to deemed filing, you can still optimize by timing when you file based on your respective benefit amounts. Since your husband's SSDI benefit will remain the same when it converts to retirement at his FRA, you know exactly what his benefit amount is. If your own retirement benefit at FRA would be significantly higher than 50% of his benefit, it might make sense to delay filing until your FRA to avoid the early filing reduction. But if the spousal benefit would be higher even with the early filing reduction, then filing at 62 could make sense. Also, don't forget that if you do decide to file early, you'll be locked into that reduced benefit amount for life (unless you withdraw your application within 12 months and pay back all benefits received). The reduction is permanent, so it's worth running the numbers carefully before deciding.

I'm also navigating Social Security planning as I approach 62, and this conversation has been incredibly informative! One thing I wanted to mention that might help with your decision-making process is that SSA has a retirement estimator tool on their website (in addition to the my Social Security account that Alexander mentioned) that can help you see how different claiming strategies might work out financially over time. Also, since you mentioned having trouble getting through to SSA by phone, you might want to try scheduling an in-person appointment at your local Social Security office. In my experience, they're often better able to walk through complex scenarios like yours when you can sit down together and review your actual records. You can schedule online or try calling early in the morning or later in the day when phone wait times tend to be shorter. The key thing I'm taking away from everyone's responses is that there's no "one size fits all" answer - it really depends on your specific benefit amounts, health, financial needs, and life expectancy expectations. But at least now you know the basic rules about SSDI conversion and deemed filing, which gives you a good foundation for making an informed decision!

I went through something similar with my late husband's benefits. One thing I learned that might help you - when you have your SSA phone appointment, ask them to send you a written summary of what you discussed via mail or secure message in your mySSA account. This creates a paper trail if there are any disputes later. Also, since your husband's PIA is significantly higher than yours ($3,600 vs $2,100), you'll likely be eligible for a decent spousal excess benefit now. But more importantly, if he passes away, your survivor benefit at FRA would be based on his full $3,600 amount - that's a substantial increase from your current reduced benefit. The peace of mind knowing you can delay survivor benefits until 67 is worth protecting. Don't let anyone pressure you into making immediate decisions if that unfortunate situation arises.

I'm in a somewhat similar situation and have been researching this extensively. What I've learned from speaking with multiple SSA representatives and reading the actual regulations is that you have complete flexibility with survivor benefits regardless of your current benefit status. The key point that hasn't been mentioned yet is that when your husband passes (hopefully many years from now), you'll actually want to do a careful calculation. At that time, you'll need to compare: 1. Your current reduced retirement benefit plus any spousal excess 2. The survivor benefit amount (reduced if taken before FRA, full if taken at FRA) Sometimes it's actually better to keep your own benefit even past FRA if the survivor benefit isn't significantly higher. Since your husband's PIA is $3,600 and yours is $2,100, the survivor benefit will likely be much better, but it's still worth running the numbers. Also, one practical tip - if you do end up in this situation, you can actually file a "protective filing" for survivor benefits to preserve your right to back benefits while you decide on timing. This gives you some breathing room to make the best financial decision without losing potential money.

This thread has been incredibly informative! As someone who's going through a similar situation (my ex moved to Japan), I'm grateful for all the practical advice shared here. I wanted to add one more resource that helped me: the American Citizens Services (ACS) unit at US embassies abroad often maintains informal networks with local hospitals and morgues that serve expat communities. While it's not an official notification system, these relationships sometimes result in quicker reporting of American deaths. I also discovered that many expats abroad maintain US-based emergency contacts through their banks, insurance companies, or even online services like ICE (In Case of Emergency) apps. If your ex is the type to be organized about these things, there might be multiple potential notification pathways you're not even aware of. The key seems to be casting a wide net of preparation rather than relying on any single system. I'm going to follow everyone's advice here and start building my own documentation folder and contact list. It's a bit sobering to plan for these scenarios, but so much better than being caught unprepared later.

This is such a comprehensive thread with excellent advice! I work in international law and deal with cross-border estate issues regularly. Your situation highlights a real systemic problem that affects thousands of divorced Americans whose ex-spouses live abroad. One additional angle worth considering: if your ex-husband has any ongoing US tax obligations (which most US citizens abroad do), the IRS sometimes becomes aware of deaths through incomplete filings or estate tax matters. The IRS shares certain death information with SSA, though this pathway can take months or even years to trigger. I'd also suggest documenting his approximate location in Thailand if you know it. Different regions have varying relationships with US consular services. Bangkok and major tourist areas tend to have better reporting protocols than rural areas. Finally, consider reaching out to an elder law attorney who specializes in Social Security benefits. They can help you formally document your potential claim now and may have insights into the appeals process if you ever face delays in benefit approval due to documentation issues. Many offer free consultations for planning purposes. The fact that you're thinking about this now, while there's no immediate urgency, puts you way ahead of most people who face this situation. Well done on being so proactive!

Just to add another perspective - you might want to consider the tax implications too. Social Security benefits become taxable once your combined income (AGI + nontaxable interest + half your SS benefits) exceeds certain thresholds. If you're still working and earning income, you could end up paying taxes on up to 85% of your SS benefits. This is separate from the earnings test but another factor to consider in your overall strategy. Sometimes it makes more sense to delay benefits until you stop working entirely, especially if you're in a higher tax bracket now than you expect to be in full retirement.

I've been following this discussion and wanted to add something that might help with your decision-making process. Since you're an accountant, you probably already know this, but it's worth considering the opportunity cost of claiming early versus investing that money if you don't immediately need the SS income. If you can afford to wait and continue working without claiming benefits, you could potentially invest what you would have received in SS benefits. Given that your benefit increases by about 8% per year if you delay (plus potential cost of living adjustments), you'd need pretty strong investment returns to beat that guaranteed increase. Also, since you mentioned you're at an accounting firm, have you looked into whether your employer offers any phased retirement options? Some firms allow senior staff to gradually reduce hours over several years, which might give you more control over staying under the earnings limit if you do decide to claim early. The complexity of all these moving parts (earnings test, taxation of benefits, delayed retirement credits, investment opportunities) really shows why there's no one-size-fits-all answer. It might be worth running some detailed projections with different scenarios to see what works best for your specific situation.